Lost car key insurance: a simple guide

Lost car key insurance: a simple guide

Losing your car keys can be a massive hassle. And with modern car keys involving microchips, programming and coding, it can also be expensive. 

It’s no surprise then, that some insurance providers now include key cover in their car insurance policies or offer it as an optional extra.

Daniel Hutson From the Motor team
2
minute read
posted

Does lost key cover come as standard?

Some insurance providers will include loss of keys in their base policy, but many car insurance providers will provide it as an optional extra. Just be aware that you may need to pay an agreed excess. 

Depending on the individual policy, some insurance providers may even:

  • organise a taxi so you can retrieve your spare set of keys
  • provide a courtesy car until a new set is created – sometimes for up to 10 days – if you don’t have a spare
Does lost key cover come as standard?

What should I do if I do lose my car keys?

Don’t panic. Call your insurance provider who will be able to advise you what to do next. 

If you don’t have key cover, or decide not to make a claim, you’ll need to contact an auto locksmith. You’ll need proof that the car belongs to you, so make sure you have your driving licence and vehicle registration documents to hand. 

Alternatively, if you have breakdown cover, you may want to call for assistance. 

How can I find out which insurance providers offer lost car key cover?

We’re here to help you compare your options. Use our car insurance comparison to see which policies offer key cover. 

When you visit our quotes page, simply click the ‘more details’ button next to each policy to see if key cover is included as standard, or whether you need to add it as an extra. 

How can I find out which insurance providers offer lost car key cover?

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