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Sorry to hear the bad news.
Unfortunately this is becoming more and more common place. If thieves want it they will find a way to get it and their technology outpaces the manufactures. Big companies have too much red tape and regulation to move swiftly. Electronic keys are/were to be safer and more secure than traditional keys. Unfortunately nothing will prevent a thief 100% of the time.
On a side note, in the U.S. some insurance companies provide gap insurance if you finance with them. For example in I know State Farm does.
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