Competitive premiums
Our key cover is designed to be affordable whilst providing comprehensive protection for your household keys.
Home insurance - key cover
Add key cover for extra help if your keys are lost, stolen or damaged.
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Key cover with Policy Expert
When you choose to include key cover with your Policy Expert home insurance, you benefit from:
Straightforward claims process
Our claims team works efficiently to get your claim processed without unnecessary delays.
Flexible cover options
You can tailor your protection to match your specific needs and circumstances.
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What is key cover insurance?
Key cover insurance is a specialist policy that protects you against the financial costs associated with lost, stolen, or damaged keys. It’s designed to cover the expenses you’d face if you suddenly found yourself unable to access your home.
If you lose or have your keys stolen in the UK, you're covered for replacing your locks and keys. Depending on your policy, this could also include outbuilding keys, such as those for your shed or garage.
What’s included with key cover?
If you choose to add our key cover extra to your policy, you will be covered for the following:
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Up to £50 per day of vehicle hire charges (for up to three days)
if you can’t use your car because of lost or stolen keys.
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Up to £100 per claim for transport if you can’t drive
if a covered key incident leaves you unable to drive, we’ll pay to take you, your vehicle or both to your destination, somewhere you can collect a spare key, a garage or your home.
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Up to £40 per claim for a replacement key and locksmith charges
if an insured key is broken
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Finally, key cover claims have no excess
so you will receive the full amount of your claim.
How do I check if key cover is included in my home insurance?
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To check if you have additional key cover and are an existing customer, the easiest way is to log into your customer account and check your policy schedule. If you have key cover, it will be shown here.
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Can’t find your documents? Give us a ring. We can quickly confirm what’s included in your policy and explain what key cover would add.
What isn’t protected by key cover?
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Keys not attached to your registered fob at the time of the claim.
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Any claims that surpass over £1,500 during your period of insurance.
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Lost keys until two days have passed since their loss was reported to Keycare.
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Wear and tear of keys and locks, and the cost of general maintenance.
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Keys lost or stolen from someone other than the policyholder or their immediate family who live at the same address.
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How to make a key cover claim with Policy Expert.
To make a claim on your key cover, call our key cover phone number: 0330 0600 623
Lines are open 24 hours a day. Please quote your Keycare fob number when you call. Keep a record of it separately from your keys in case they go missing.
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Our awards and recognition
When you choose Policy Expert, you're choosing an insurer recognised for great customer service.
We are rated Excellent on Trustpilot. and were named Buildings Insurance Provider of the Year in the Telegraph Insurance Awards 2025.
Key cover FAQs
What is the benefit of key cover?
If a key attached to your registered Keycare fob is lost, stolen or locked inside your home or vehicle, key cover can pay for eligible locksmith charges, replacement keys and new locks. Broken keys are covered up to £50 per claim. There’s no excess, and the overall limit is £1,500 per period of insurance. The policy also includes vehicle hire and onward transport in certain circumstances. Limits and exclusions apply.
What happens if I find my keys after I’ve made a claim?
If you find your keys after making a claim, contact us and let us know. We can explain what this means for your claim.
If your keys go missing, check places you may have left them, such as your pockets, bag or car, and report the loss to Keycare as soon as possible.
Should I get a key safe?
A key safe can be a practical solution for preventing lockouts. However, key safes aren’t without risks. Security experts warn that cheaper models can be vulnerable to forced entry, and if someone discovers your safe’s location and code, they have direct access to your home.
If you do opt for a key safe, invest in a high-quality model with a police-approved rating. Mount it in a discreet location rather than obviously next to your front door and change the combination regularly. A key safe doesn’t replace the need for key cover insurance-you might still lose keys elsewhere or need locks changed for other reasons.
Should I go keyless?
Keyless entry systems, including smart locks and electronic keypads, are becoming increasingly popular. They eliminate the risk of lost keys entirely, as you can access your property using a code, fingerprint, or smartphone app. This technology offers genuine convenience; you’ll never find yourself locked out because you forgot your keys.
That said, keyless systems come with their own considerations. They require power (usually batteries or mains electricity), and technical failures do occasionally happen. There’s also the initial installation cost, which can be significant for quality systems. Some insurers have specific requirements for keyless entry systems, so check your home insurance policy before making the switch.
Even with a keyless system, you might still want key cover if you maintain traditional locks on outbuildings or if your system includes a physical key override option.
Explore our home insurance optional extras
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