Re: Controversial
Insurance is different to criminality, the insurance wont payout because you made a mistake, the police will still prosecute the person who stole your car because stealing a car is illegal.
Even if the door is left open, the key is in the ignition and there's a sign going "steal this" - it's still stealing. You still shouldn't do it and you would still be prosecuted (or at least cautioned) if you did.