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KEY COVER

Unlock peace of mind with Key Cover

Add cover for lost, stolen or broken car or house keys to your breakdown policy for £3 a month.

Buy Key Cover
Existing members

What's Key Cover?

Keys can cost £300* on average to replace. For just £3 a month, you’ll get replacement car or house keys, or help regaining access if you’re locked out. You’ll also get:

  • Cover up to £2,500 with no excess
  • Cover and a key fob for each member on your breakdown policy
  • A dedicated 24/7 helpline
  • Up to 3 days’ vehicle hire if you can’t use your vehicle
  • Up to £250 towards travel costs

Get Key Cover

If you’re new to The AA, add Key Cover to your breakdown policy when you buy online. If you are already with The AA, simply log into your account to add Key Cover.

Buy now

How does Key Cover work?

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

  • Call the 24/7 helpline on 0345 303 4023
  • We’ll get in touch to replace your keys or send out a locksmith
  • We’ll settle the costs directly – you won't pay any excess

What's not covered?

  • Claims made during the first 14 days of your policy
  • Faulty locks or ignitions

See our terms and conditions for more information


Compare our key services

Here’s how Key Cover compares to our other key protection products:

  • Key Cover is a comprehensive service to replace car or house keys or help you regain access when locked out
  • Key Assist is a one-off emergency service to replace car keys
  • Key Insurance is free for Gold members (those who’ve been with The AA for 5 years)

Already with us?

Simply log in to your existing account to add Key Cover to your current policy.

Existing members

Need a new car key now?

Key Assist is a one-off emergency service to replace car keys. Call 0333 060 3818 for an appointment. If you’ve already bought Key Cover, call
0345 303 4023 to make a claim.

Buy Key Assist
How much does it cost to replace a car key?
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How do I make a claim for lost, stolen or broken car or house keys?
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Can I make a claim immediately after purchasing my policy?
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Do I have to pay before I can make a claim?
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What excess do I need to pay on my policy for a lost, stolen or broken key?
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How many times a year can I make a claim?
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How long does it take to get a replacement car or house key?
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If my keys are lost or stolen while I’m on holiday, can I make a claim?
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If my house and/or car keys are stolen from my handbag, will this affect my no claims discount if I make a claim for replacement locks?
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If I lock myself out of my car or house at night, can you help?
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Can a locksmith be sent to my place of work or other location?
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What type of keys are covered through my Key Cover policy?
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Do you cover broken keys and locks?
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Can you help me with a hire car or travel costs if I can’t use my vehicle?
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If I’m stranded with my family or friends, can they also claim travel costs?
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Do my keys need to be attached to the provided fob to be covered?
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Good to know
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Terms and conditions apply 

*Source: Data based on authorised claims from Key Insurance (Gold member benefit) from February 2023 – January 2024

Registered office: The AA, Level 3, Plant, Basing View, Basingstoke, Hampshire, England, RG21 4HG.

Exclam 800black 3

Broken down now?

Don't buy online – call us 24/7 for instant cover:

03330 046 046
Call now
Call now to buy breakdown cover

0330 053 1100

We're open 8am to 7pm, Monday to Friday; 9am to 5pm, Saturday.

Call now
Call now to change or discuss your cover

0343 316 4444

We're open 8am to 7pm, Monday to Friday; 9am to 5pm, Saturday.

Call now
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