Losing your car keys can be a frustrating and costly experience. At Carsmith Midlands, we understand the inconvenience this brings and aim to provide clarity on whether your car insurance policy covers lost keys.
Does car insurance cover lost car keys?
Coverage for lost car keys varies among insurance providers. While some comprehensive car insurance policies include key cover as standard, others may offer it as an optional extra or not at all. According to Go.Compare, nearly a third of comprehensive car insurance policies do not provide cover for lost car keys as standard.
What’s the difference between lost and stolen car keys
It’s important to distinguish between stolen and lost keys, as insurance policies may treat them differently. Most policies are more likely to cover stolen keys, especially if you can provide a crime reference number. However, coverage for lost keys is less common and often depends on the specific terms of your policy.
What does key cover typically include?
When included, key cover may offer:
- The cost of replacing lost or stolen keys.
- Reprogramming of alarms and immobilisers.
- Assistance with vehicle access if keys are locked inside.
- Provision of a courtesy car if needed.
However, specifics can vary, so it’s essential to review your policy documents carefully.
Tips to prevent losing your car keys
To minimise the risk and potential costs associated with lost car keys:
- Always have a spare key stored securely.
- Consider attaching a tracking device to your keyring.
- Be mindful of where you place your keys, especially in public places.
How Carsmith Midlands can assist
At Carsmith Midlands, we specialise in auto locksmith services, including key replacement and reprogramming. If you find yourself without your car keys, our team is ready to provide prompt and professional assistance to get you back on the road swiftly.
Understanding the specifics of your car insurance policy regarding key loss is crucial. Regularly reviewing your coverage and considering additional key protection can save you time and money. For any key-related issues, Carsmith Midlands is here to help with expert auto locksmith services tailored to your needs.
