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Does Car Insurance Cover Lost Keys?


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The freedom and convenience of having a car is hugely important to a lot of people, but there are a lot of different problems that can crop up. It is important to be prepared for whatever can happen, even the small problems which many people forget – for example, a lot of people do not know what to do if they lose their car keys, and whether or not car insurance includes cover for lost car keys.

Does car insurance cover lost car keys?

There is no easy answer for all types of car insurance. Some car insurance policies will provide car key cover, and some won’t. So it is always important to check whether you have lost key insurance as part of your motor insurance policy.

What happens if you lose your car keys?

If you have lost your car keys and don’t have a spare there are some options available for you straight off the bat. The first is the most costly and time-consuming but you can get a new set of keys from a dealer, even if you have lost remote or electric keys. Alternatively, contact your insurer as soon as you realise your keys are missing and check if lost key insurance is included in your coverage. You can also call a breakdown service which may also be included in your car insurance policy.

What types of policy includes key replacement insurance?

Generally, the only type of car insurance that will cover lost car keys is fully comprehensive insurance. However, it is important to remember that not all fully comprehensive policies will include this, so you need to check before you buy that your chosen policy includes car insurance key cover.

Can I buy lost key insurance separately?

Yes, some insurance providers allow you to purchase a lost car key or key cover insurance policy. This can include key replacement and provisions of a courtesy car to help while you are unable to use your car.

Is lost key insurance expensive?

Lost key insurance is not generally as expensive as general car insurance, but depending on the options you choose it could be expensive. It may be cheaper to make sure that your car insurance covers lost keys. It is always best to compare quotes to find the best deal.

What do I do if I lose my car key?

If you lose your keys, it is important to report this to your car insurance company if you hope to claim against the insurance for your lost keys. You should do this as soon as you realise that your keys are lost. This will help the insurance company process the claim quickly, meaning that hopefully, you will be able to replace your keys as quickly as possible, which will help get you back on the road sooner.

What about if my keys are stolen?

If you believe your car key has been stolen, you should report this to the police as a non-urgent matter. It is important to get a crime reference number from the police, as this will help make sure that your insurance company knows that your keys have been stolen. The coverage provided by stolen car keys insurance may not be provided if the theft of the keys or car is not officially reported to police.

What about if my keys are inside my car?

If you have accidentally locked your keys inside your car, you may be able to get into your car to retrieve them. Breakdown services and locksmiths can often help people gain access to their cars when they have locked their keys inside.

This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.