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Lol, the agreement was obviously that she would bear the full cost of the car (including insurance) while he was allowing her to use it, excepting for a grace period. She recklessly abandon the terms of the "contract", her rights under any agreement are null and void. The true owner made his intent clear with the club (after checking with police and lawyers), and it became grand theft at that point in time, not the same as contract law, and there isn't a contract here to begin with, just an informal temporary arrangement that has gone south.
concise:
She broke the agreement by driving illegally, the car is his, she then stole it.
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