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Key insurance

Covers replacement keys, replacement locks, and locksmith charges.
Covers any keys used by you, such as your vehicle keys and/or house keys.
Up to three days vehicle hire if your vehicle is unusable as a result of lost or stolen keys.
Onward transport costs if you are away from home and have no access to your vehicle as a result of lost or stolen keys.
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12 months key cover from only £17.00

Losing your keys can be extremely annoying, frustrating and expensive to replace. Take the hassle and stress away from losing your keys with our key insurance. It covers you for lost or stolen keys and locksmith charges if you lock yourself out of your home.

This is a separate policy to your motor insurance and won’t affect your No Claims Discount or renewal premium if you make a claim.

This is a 12-month policy that covers you for lost or stolen keys within the UK, Channel Islands, and the Isle of Man. 

Key insurance benefits

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Cover for replacement keys

Replacement keys, replacement locks and any locksmith charges up to £1,500 per policy.

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Cover for all your keys

Any of your keys are covered, not just your home and car keys.

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Key cover for family members

The policy covers keys belonging to any immediate family member living at the same address as the main policyholder.

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Travel costs covered

Onward transport costs up to £75 if you have no access to your vehicle while away from your home due to lost, stolen or broken keys.

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Accommodation costs

Accommodation costs up to £120 if you have no access to your home due to lost, stolen, or broken keys.

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Vehicle hire

The policy includes up to three days vehicle hire costs, up to £40 per day if your insured vehicle is unusable as a result of lost or stolen keys.

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UK helpline

UK-based helpline to provide advice and guidance as a result of lost or stolen keys.

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No excess to pay

No excess to pay if you claim.

To make a claim

Claims should be notified to the insurer by contacting the helpline on 0344 856 2270 as soon as possible but in any event within 30 days of discovery. Lines are open Monday to Friday 9 am to 5 pm. Note: You may need to cover the costs initially and the insurer reimburse you for costs incurred upon receipt of valid receipts/invoices subject to the terms and conditions of the policy.

Stolen keys

If your keys have been stolen, report to the police immediately and obtain a crime reference number.

How many times a year can I make a claim?

You can make more than one claim within the period of insurance providing the total sum payable does not exceed the cover limit of £1,500 per policy period.

Will a key claim affect my No Claims Bonus on my motor policy?

Your No Claims Bonus on your motor policy will not be affected if you make a claim.

When does the cover start and end?

The standard length of the policy is 12 months from the date on which the cover starts, this will be shown in your policy schedule.

What’s not covered

  • More than two keys, per lock, per claim.
  • Claims not notified to the key cover provider within 30 days of the incident.
  • Claims where you fail to provide valid receipts and/or invoices.
  • Costs incurred where a locksmith or tradesman has been arranged and you fail to attend the appointment.
  • Wear and tear and/or general maintenance of locks.
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The full terms and conditions are included in the Policy Booklet and Policy Schedule.

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