A simples guide

Replacing lost car keys through your insurer

Losing your car keys can be a massive hassle, it can also be unpredictably expensive. Gone are the days when getting a new key was simply the case of getting one cut. Increasingly, car keys involve microchips, programming and coding.

It’s no surprise then, that some insurance providers now include car key replacement in their car insurance cover.

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What does it typically cover?

Well car key cover can’t stop you losing your keys, but it could make life much simpler and cheaper if you do. Car key cover doesn’t just cover replacement car keys, it also includes the cost of replacing the locks and the immobiliser as the risk of theft could be high given that someone else could have your keys.

This can cost up to around £800 so having valid insurance cover could prove very useful. Just remember you may need to pay an agreed excess.

car key

Does lost key cover come as standard?

Not usually. Many car insurance policies will provide key insurance as an additional policy feature. When you reach the page on our site which displays your quotes, click the ‘more details’ button next to each policy to see if key cover is included. If it’s part of the basic policy there’ll be a tick, if not, there’ll be a price to show you what it would cost to include it in your cover. A little extra could save you a significant amount of anxiety not to mention expense.

If you have a spare set of keys, they will sometimes even organise a taxi so you can retrieve them. If you don't have a spare they may even provide you with a courtesy car if it's going to take a while to get a new key created.

The technology involved in getting a new key means it can sometimes take up to 10 days to receive a replacement.

What to do if you do lose your keys

Losing car keys is something that you think will never happen to you…. until it does. Following the realisation they’ve gone there’s bound to be the inevitable sense of disbelief and then panic.

If you’ve got cover take some deep breathes and call your insurance company. Unlike you in your current state, they’ll be able to help get the wheels moving and will advise you what to do next.

If you're not insured or you decide not to claim, you’ll need to contact an auto locksmith. These are usually mobile, so can come out to you. You'll need proof that the car belongs to you, so you may need to show them your vehicle registration documents and your driving licence.

If your car insurance is coming up for renewal and you want to make sure key cover is part of your next policy, we’re here to help you compare your options. Use our car insurance comparison service to see which policies offer key cover.

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