What Happens If You Lose Your Car Keys?
Imagine standing in a supermarket car park, juggling bags of shopping, only to realise; yep; your car key's gone. Vanished. Maybe it slipped out your pocket or got buried somewhere in that black hole you call a handbag. Either way, you're stuck, and your car's not going anywhere.
This is where lost key protection comes into play. It's a small but mighty add-on to your car insurance policy, and it's exactly what it sounds like, cover that helps you out financially and logistically if your car key goes walkabout. Some policies even cover stolen keys, reprogramming, or replacing locks if there's a security risk. Now that's peace of mind.
Why Should You Care About Lost Key Cover?
Because modern car keys are basically mini computers. They're not cheap to replace - some cost upwards of 300 pounds. And it's not just the key you're paying for. You might also be footing the bill for reprogramming, towing your car, changing locks... it adds up fast. Without the right cover, it's all on you.
Besides, losing your keys isn't just an inconvenience. It can totally wreck your day - or worse, your whole weekend. Especially if it happens late at night, miles from home, with your dog staring at you like, "Well, this is awkward."
Which UK Insurers Offer Lost Key Protection?
Not every insurer includes this as standard, so it's worth checking the fine print. Here are a few that do offer lost or stolen key cover, either bundled in or as an optional extra:
- LV= (Liverpool Victoria): Offers key cover up to 1,000 pounds with no excess if keys are stolen or lost and cannot be recovered.
- Direct Line: Includes cover for replacing lost or stolen keys, and even pays for car hire if you're left without wheels whilst waiting.
- Aviva: Their comprehensive policies can include key cover as an add-on, including locksmith costs and lock replacements.
- AXA: Offers up to 1,500 pounds in lost or stolen key cover with certain levels of comprehensive insurance.
- Hastings Direct: Offers key protection as an optional extra, including 24/7 assistance, key replacement, and reprogramming where needed.
Heads-up: policies and limits can vary even within the same insurer depending on the level of cover you choose, so double-check what's actually included before you commit.
"Ever wondered what might happen if..."
You're rushing out the door, coffee in hand, already late for the school run. You get to your car, reach into your coat pocket... and nothing. Not even a crumpled receipt. Just thin air where your key fob should be. Now you're stuck, the kids are getting restless, and the neighbours are enjoying the show. But with lost key protection? You make one call, someone's on the way, and you're sorted. Crisis (mostly) averted.
Things to Watch Out For
Lost key protection is helpful, but it's not a magic wand. There are a few things you'll want to keep in mind:
- Excess fees: Some policies may still have an excess even if key cover is included - annoying, but true.
- Limitations on claims: You might only be able to claim once or twice a year. If you're forgetful (or just plain unlucky), that's worth knowing.
- Proof of loss: Insurers will often want evidence that your key's been lost or stolen. Keep records or even file a police report if needed.
So... Is It Worth It?
If you've ever been locked out of your car in the rain, or worse, paid a few hundred quid to fix it - you'll probably say yes. It's one of those small extras that makes a huge difference when things go pear-shaped. If your policy doesn't include it, adding key protection usually only costs a few pounds more a year. Honestly, it might be the easiest "yes" in the entire insurance world.
And let's be honest: life's stressful enough without having to explain to your partner, boss, or mum why you're stuck in a service station waiting for a locksmith at 10pm.
Looking for a Policy With Key Cover?
If you like the sound of knowing you're covered when your keys go AWOL, it's worth getting a few quotes and comparing policies. Key protection might be bundled in - or just a click away as an add-on. Either way, having it could save you hundreds of pounds and a serious headache down the line.
Don't wait for a disaster to strike. Get quotes now and settle on a policy that's got your back... and your keys.