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Losing your car keys is incredibly inconvenient and can be expensive to resolve. Modern keys contain electronic immobilisers and programming to secure vehicles. This technology makes replacing keys pricey.
As a result, replacement costs often run into hundreds of pounds, so many car insurance providers now offer some form of key cover. While cover varies between providers, insurance can offer vital assistance by cutting replacement costs if your keys go missing. But what exactly does this include, and what steps should you take if your keys disappear?
Many insurers provide car key coverage as an add-on or included benefit. Always check your policy schedule to confirm the following:
Like other insurance extras, key cover raises premiums slightly. But it saves a lot of stress and excessive costs if you experience the misfortune of losing your keys.
The average cost to replace keys in the UK can range from £99 to more than £500, depending on car make and model. Prices are rising as vehicles become increasingly sophisticated.
The primary factors determining replacement costs are as follows:
Depending on your situation, you should follow these initial steps:
Locked keys in a vehicle | If you have breakdown cover, call your provider. They may be able to unlock the car Alternatively, hire a professional auto locksmith. They can pick standard locks or decode transponder keys |
Keys stolen | Report the theft to the police and obtain a crime reference number, without this most insurance providers will not cover the replacement costs |
Keys lost outdoors | Attempt to retrace your steps and search the area thoroughly. Ask passers-by if they spotted anything Check with any locations you visited to see if they were handed in If unsuccessful, make a claim as soon as possible after 24 hours |
Act swiftly to maximise chances of recovery and start your claim. Insurer processes vary, so check your policy terms.
Policies with key coverage usually include the following:
Always check the full details of your policy as they don’t always include the following:
It depends on your specific policy and if you have added replacement key cover as part of your premium; some also only cover complete loss or theft. Check your policy for damage cover and claim limits.
Usually, yes, to prevent further theft risk. An entirely new set of keys (including spare) will prevent thieves coming back to break into the car, as they will have new programming.