Losing your keys is a pain, and the cost of replacing them and changing the locks is a further nuisance.
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Key cover insurance is a specialist cover designed to cover the expenses you'd face if your keys were lost, stolen or damaged.
If you lose or have your keys stolen in the UK, you're covered for replacing your locks and keys. Your cover may also include protection for other keys, such as those for your shed or garage, so long as they were attached to your insured keys at the time of loss or damage.
If you choose to add our Key Cover extra to your policy, you will be covered for all keys attached to the car key that was lost, damaged, or stolen. You will also be covered for the following:
Up to £50 per day, for up to 3 days if you can’t use your car because of lost or stolen keys.
up to £100 per claim, to get you or your vehicle to a destination of your choice; either a garage or your home if you lose your keys.
for a replacement key and locksmith charges if an insured key is broken.
so this won’t be deducted from the eligible claimed amount.
Key cover is an optional level of cover that isn’t included in any of our car insurance policies as standard. If you have key cover, you will have chosen to add it when you bought your policy.
If you need help finding your documents, our team will be happy to help.
to your registered fob at the time of claim.
during your period of insurance.
of keys and locks, and the general cost of general maintenance.
the policyholder, or their immediate family who live at the same address.
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Thinking about making a claim?
Our key cover claims team are available 24 hours a day and you can contact them by calling 0330 0600 623. Key cover is an optional extra, so you'll only be covered if you added it when you bought your policy. If you're unsure, log in to your customer account and check your policy schedule.
Don’t worry! Our key cover claims line is open 24 hours a day. Give us a call on 0330 0600 623 and we’ll get you sorted.
You won't need to pay an excess when claiming for lost, stolen or damaged keys under your key cover. However, if your claim exceeds the maximum cover limit, you'll be responsible for any costs above that limit.
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Claim back your policy excess after an approved insurance claim, up to your cover limit.
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Stay on the road with a replacement car if yours is written off or stolen.
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Get financial support if you or your partner are seriously injured in a car accident.
