Insurance claim in case of theft can be rejected if you don't have all the keys
No key, no claim
Why does the insurer ask for both keys?
Trying to submit keys of some other car
What best practice you should follow
1. One must keep the worn out/damaged car key safe, since it can help you get the car claim easily.
2. Taking a car key replacement insurance rider with your car insurance policy can help.
In case of lost key replacing the car lockset is advisable
Points to note
At the time of filing the insurance claim, apart from submitting both the keys to the insurer, you must keep the following things handy: insurance policy details, vehicle details, and copy of the FIR.