Are lost car keys covered by insurance?
Sometimes, and it is always worth one phone call to find out. Policies differ a lot, so treat this as a guide to the questions to ask, not as advice on your own policy.
Where key cover comes from
Comprehensive car insurance sometimes includes lost or stolen keys. It can also be a paid add on, or come with breakdown cover, a packaged bank account or home insurance. Check all of them.
What to ask your insurer
Is key loss covered, or only theft? What is the excess? Will a claim affect the no claims bonus? Do you have to use their supplier, or can you use your own locksmith and claim it back? Do they need to approve the cost first?
When it may not be worth claiming
If the excess is close to the cost of the key, or the claim would dent your no claims bonus, paying for it yourself can work out cheaper. Get a quote first so you can compare.
If the keys were stolen
Report it to the police and get a crime reference number before you ring the insurer. They will ask for it. Have the stolen keys deleted from the car as soon as you can.
Paperwork we can give you
For insurance jobs we can provide an itemised quote before the work and a matching invoice afterwards, with the vehicle details, what was done and why it was needed.
Want a price for your vehicle?
Make, model and year is all we need to start.