Car key insurance

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Car Key Insurance

What is car key insurance?

Car key insurance is a type of insurance that covers the costs associated with replacing or repairing lost, stolen, or damaged car keys. This can include the cost of a new key, programming fees, and even the cost of a locksmith if the keys are locked inside the car.

Car key insurance can be purchased as an add-on to an existing car insurance policy, or as a standalone policy. It is optional cover but can provide peace of mind for those who are worried about the high costs associated with replacing car keys.

Many car key insurance policies also provide cover for keyless entry systems, including fobs and remote starters. This can be particularly useful for newer cars that rely on these systems, as they can be expensive to replace.

It’s worth noting that some car manufacturers offer their own car key insurance policies, which can provide added benefits such as 24/7 roadside assistance and cover for loss or damage worldwide.

When considering car key insurance, it’s important to read the policy details and understand the cover limits. Some policies may have exclusions, such as not covering keys that are left in an unlocked car, or keys that are lost or stolen while on vacation.

Overall, car key insurance can provide valuable protection against the high costs associated with replacing or repairing lost, stolen, or damaged car keys. It can be a wise investment for those who are concerned about the potential costs of key replacement.

Do I have car key insurance with my standard car insurance policy?

Car key insurance is not typically included in standard car insurance policies. However, many car insurance companies offer car key insurance as an add-on to a standard policy. This means that you can purchase car key insurance as an additional cover option when you buy your car insurance policy.

When considering car key insurance, it’s important to read the policy details and understand the cover limits. Some policies may have exclusions, such as not covering keys that are left in an unlocked car, or keys that are lost or stolen while on vacation.

If you’re unsure whether or not your standard car insurance policy includes car key insurance, it’s best to contact your insurance company directly and ask them. They will be able to provide you with the information you need to understand your cover options.

It’s worth noting that some car manufacturers offer their own car key insurance policies, which can provide added benefits such as 24/7 roadside assistance and cover for loss or damage worldwide.

In summary, car key insurance is not typically included in standard car insurance policies in the UK. However, it can be purchased as an add-on or a standalone policy from many insurance companies or car manufacturers. It’s important to read the policy details and understand the cover limits when considering car key insurance.

How much does car key insurance cost?

The cost of car key insurance can vary depending on a number of factors, including the type of cover you choose, the make and model of your car, and the insurance company you purchase the policy from. On average, car key insurance can cost anywhere from £20 to £50 per year as an add-on to an existing car insurance policy.

The cost of a standalone car key insurance policy can be higher. It’s important to compare the cover and cost of different policies before making a decision. Additionally, some car manufacturers offer their own car key insurance policies, which may have different pricing structures. It’s important to weigh the cost against the benefits and determine if the added protection is worth the expense for your specific needs.

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What’s included in car key insurance?

Car key insurance typically includes cover for the cost of replacing or repairing lost, stolen, or damaged car keys. This can include the cost of a new key, programming fees, and even the cost of a locksmith if the keys are locked inside the car. Many policies also include cover for keyless entry systems, such as fobs and remote starters.

Additionally, car key insurance may also include cover for the cost of towing and emergency roadside assistance if the keys are lost or stolen while you’re on the road. Some policies also provide cover for rental cars if you need transportation while your keys are being replaced.

It’s worth noting that car key insurance policies may also have exclusions, such as not covering keys that are left in an unlocked car, or keys that are lost or stolen while on vacation. It’s important to read the policy details and understand the cover limits when considering car key insurance.

In summary, car key insurance typically includes cover for the cost of replacing or repairing lost, stolen, or damaged car keys, and keyless entry systems. Some policies may include additional cover for towing and emergency roadside assistance, rental cars, and other services. It’s important to read the policy details and understand the cover limits when considering car key insurance.

What doesn’t car key insurance cover?

Car key insurance is a type of insurance policy that provides cover for lost or stolen car keys. While this type of insurance can be a lifesaver in the event of key loss or theft, it is important to understand that it does not cover everything. Some things that car key insurance typically does not cover include:

  • Damaged keys: If your keys are damaged due to wear and tear or other reasons, car key insurance will not cover the cost of replacement.

  • Keyless entry systems: Many modern cars come with keyless entry systems, and while these can be convenient, they are not typically covered by car key insurance.

  • Lockout service: If you are locked out of your car, car key insurance will not cover the cost of a lockout service to regain entry.

  • Towing: If your car needs to be towed due to a key-related issue, car key insurance will not cover the cost of the tow.

  • Additional keys: If you need additional keys for your car, car key insurance will not cover the cost of those keys.

It is also important to note that car key insurance may have limits on the number of key replacements that are covered, and may require that you pay a deductible before cover kicks in.

Overall, car key insurance can be a valuable addition to your car insurance policy, but it is important to understand what it does and does not cover so that you can make an informed decision about whether or not to purchase it.

What should I do if I lose my car keys?

Losing your car keys can be a stressful and frustrating experience, but there are steps you can take to minimise the damage. The first thing you should do is try and retrace your steps to see if you can find the keys. Check all the places you were at recently, including your home, office, and any other locations you visited. If you are still unable to find your keys, it is important to take action as soon as possible to prevent any further issues.

One option is to contact your car dealership or a locksmith to have a new set of keys made for your car. This can be a costly option, especially if you don’t have car key insurance. Another option is to look for a replacement keyless remote or key fob. If you have a keyless entry system, this can be a more cost-effective solution.

It’s also important to think about the security of your car, if you believe your keys have been stolen, you should contact the police and file a report. Additionally, you should consider changing the locks on your car and even your home, if the keys were stolen.

Lastly, it’s also a good idea to make a copy of your car key, and keep it in a safe place, so you have a backup in case you lose your keys again in the future.

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In summary, losing your car keys can be a frustrating experience, but there are steps you can take to minimise the damage. Retrace your steps, contact a locksmith or dealership, consider the security of your car, and keep a backup copy of your key.

How long does it take to receive a new set of keys through my car key insurance?

The time it takes to receive a new set of keys through your car key insurance can vary depending on the specific policy you have and the insurance company you are working with. Typically, the process begins with a claim being filed, which can usually be done online or over the phone. The insurance company will then review the claim and may require additional information or documentation before approving the replacement keys.

Once the claim is approved, the insurance company will arrange for a new set of keys to be made, which can take anywhere from a few days to a couple of weeks, depending on the make and model of your car. If you have a keyless entry system, it may take longer as it requires special programming.

In general, it’s best to check with your insurance company for their specific timeline and process. They can give you an estimated time of when you can expect to receive your new set of keys. It’s also a good idea to ask if they have any expedited services available that can get you a new set of keys faster.

How can I keep my car keys safe?

Keeping your car keys safe is important to prevent loss or theft. One way to do this is to always keep track of where your keys are, and make sure to put them in a designated spot when you’re at home or at work.

Another way is to not leave them in plain sight, especially in your car. This can be an easy target for thieves. Consider purchasing a keychain that has a tracking device, which can help you locate your keys if they ever go missing. You can also use a keyless entry system, which eliminates the need to carry physical keys and reduces the risk of losing them.

Additionally, it’s a good idea to have a spare set of keys, keep it with a trusted friend or family member, or even in a safe place, in case you ever lose your primary set. By following these steps, you can help ensure that your car keys remain safe and secure at all times.

Compare car insurance

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If you’re looking for cheap car insurance, Comparoo is a great resource to help you find the best deal. With over 110 providers to choose from, you’re sure to find a policy that fits your needs and budget.

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