There's an <A HREF="http://www.wired.com/wired/archive/14.08/carkey.html" TARGET="_blank">interesting article in Wired magazine</A> about how reluctant -- to put it kindly -- US insurers are to pay out on auto theft claims when the stolen car in question has a transponder-equipped key system, as our cars do. Basically the insurers have become convinced that cars so equipped are unstealable (unless towed) and as a result, if your car is actually stolen, shows no signs of having been towed, and you have all your keys, they are likely to accuse you of fraud and deny your claim. I was particularly fascinated by the discussion of back doors in most of these cars, which give you a way to start the car even with a dead key. The notion of a back door isn't that surprising, just how it may be implemented. In the case of the author's Honda Civic, a series of handbrake pulls before twisting the key allows the car to start even with the transponder disabled. Bonus points to anyone who finds out the Volvo back door! <p>I'm not aware of anyone here who has had the misfortune of having their S40/V50 nicked, but I guess the moral is to approach your insurer carefully if you ever do.