KEY COVER

It can cost an average of £300* to replace car keys in the UK, depending on the make and model of your vehicle. But with Key Cover, we take care of the replacement cost for any lost, stolen or broken car or house keys for £3 a month or £36 a year. 

It’s easy to make a claim if you’re locked out or need to replace your keys.

Simply call our 24/7 helpline on 0345 303 4023 to make a claim.

We’ll ask you the circumstances of lost or stolen keys, so that we can take the best course of action for your situation.

Please note, you cannot make a claim within the first 14 days of your cover.

No, you cannot make a claim within the first 14 days of your cover.

We’ll normally pay for your insured expenses upfront so you won’t have to pay any money.

In some situations you may need to pay these expenses and claim the costs back from us (up to your remaining policy entitlement). We will tell you if we need you to do this.

If so, you’ll need to submit your receipts to the following address no more than 120 days after the insured event took place; Keycare Limited, 2-3 Quayside House, Quayside, Salts Mill Road, Shipley, West Yorkshire, BD18 3ST. 

There is no excess on any claims you make under Key Cover. We’ll settle the cost of your claim directly, except where we specify otherwise. 

You can claim several times during your period of cover, as long as the total cover paid out doesn’t exceed £2,500. 

It depends on the situation or the key you need. We do stock some keys, but we may need to order other keys directly from the manufacturer.  

We cover lost or stolen keys anywhere in the world.

Our locksmith network only covers the UK, so you’ll have to arrange for a locksmith to attend the incident yourself whilst abroad or wait until you are back in the UK.

If you need a locksmith abroad, keep the original receipts for reimbursements. 

No, this won’t be affected as we won’t seek a contribution from your household or car insurance policies.

If you already have Key Cover, our helpline is available 24/7 so yes, we’ll be able to assist you in most cases.

Yes, we can arrange an appointment at an alternative location providing there are no height or other restrictions to your vehicle. You may need to provide proof of ownership, such as a vehicle registration (V5C) or any relevant document. 

We cover any type of car or house keys, including smart keys and fobs.  

Yes, we cover broken keys and locks that have been broken by keys. We don’t cover faulty locks or ignitions on their own.

Yes, we’ll pay for up to three days vehicle hire or £250 towards travel costs if your vehicle is unusable as a result of lost, stolen or broken keys. You can hire a vehicle from a firm of your choice, but you must get authorisation from us first. We’ll assess each claim individually.

Cover towards a hire car or travel costs is only available for the policyholder(s), so it depends whether your family members are included in your breakdown cover policy.

We do recommend attaching your keys to the provided fob for safety, but it won’t affect your claim if your keys weren’t attached to your fob when you lost them.