You, as the insured, have a responsibility to protect the keys from theft/attack.
If your car has keyless entry/start, then your reasonable duty is to protect the keys from all means of attack. If this means keeping them in a form of Faraday cage, so be it
Absolutely right, and that is why I suggested what I practice, and always have, of sleeping with my keys beside me in my handbag.
BUT, I can readily accept why some may not wish to do that for the completely justifiable reasons they state, and as in the case of retail or banks workers who handle cash, the police, and at the time, my management team, would advise just handing the valuables over to save risking your life.
I think, forgetting the insurance consideration, it is all a decision for the individual, and if they wish to fight to protect the valuables under their control, such as the keys to a top of the range vehicle, or just make it easier for any determined thief to just pick them up, worrying about the insurance later.