Well, since we are on the topic, do you think it's true that if you hand over your keys to someone else, you are liable for it? I do know that if you leave your security access card in your car and a thief gets out of your condo / gated community using that card, you would be liable for the loss of your car, not the insurance company.
Says here in my RACQ Comprehensive Insurance policy, "Exclusions - When you are NOT covered" "The Intentional acts of any person who has entered your vehicle with your permission or the permission of a person residing in your vehicle" I guess my insurance doesn't cover mine. It's autowash for me from now on