Last Updated on February 11, 2025 by Alan Weir
When it comes to car key replacements under UK insurance policies, there’s quite a bit to unpack. If you’ve ever lost your keys or found yourself in a murky situation involving broken remotes, you’re probably wondering where to start and what steps you should take. As an expert car locksmith who’s navigated countless scenarios, I’m here to guide you through the do’s and don’ts of getting your car keys replaced under your insurance. Let’s get into the nitty-gritty.
### Do: Check Your Insurance Policy
First things first – dig out that insurance policy and give it a read. It might sound tedious, but knowing what your policy covers regarding key replacement is crucial. Some policies include key cover as standard, while others might require you to add it as an optional extra. Check for terms like “car key replacement” or “key cover”. The finer details matter. For example, some insurers will only replace keys lost or stolen from your home, while others might extend coverage to lost keys during activities like shopping or at the gym.
### Don’t: Assume Everything is Covered
While it’s tempting to think that your insurance policy covers everything car-related, this is far from the case. There are often exclusions you might not be aware of. For instance, if you’ve misplaced your keys at a pub on a night out, you might find your claim denied. Understanding these nuances is the key (pun intended) to avoiding disappointment when you need your insurer to come through for you.
### Do: Keep Your Receipts
If you find yourself in a position where you need to replace your keys, keep all receipts related to the replacement. This includes any locksmith charges, costs incurred due to key loss (like hiring a replacement vehicle), and any other expenses that might be relevant. When it comes time to submit your claim, having clear documentation makes all the difference. This not only proves your expenses but also shows you’re organised and are taking the matter seriously.
### Don’t: Wait Too Long to Make a Claim
Insurance policies usually come with a timeframe for making claims, and sleeping on it can turn into a big mistake. If a month slips by and you haven’t reported the loss to your insurer, you could be left out of pocket. Replacing keys isn’t just about the cost of the keys; think about potential damages and expenses you’ll incur from not having access to your vehicle. As a general rule, report the loss as soon as possible.
### Do: Understand the Process
Once you’ve decided to make a claim, it’s important to understand the steps that will follow. Insurance processes can sometimes feel like a labyrinth. Start by notifying your insurance provider; they will ask for specific details. Typically, you’ll need to provide them with the make and model of your vehicle, any identifying details about your keys, and how they were lost or stolen. The more detailed your account, the smoother the claims process will likely be.
### Don’t: Use Unverified Services
If your insurer approves your claim for key replacement, they may recommend certain shops or locksmiths. Don’t stray from this route. Using unverified services might lead to subpar work or, worse, potential issues with your claim. Always follow your insurer’s guidance. They may have agreements with specific service providers that ensure your replacement is carried out professionally and at the right cost. Using an approved locksmith can save you from future headaches.
### Do: Keep Your Information Handy
Have all your information readily available when you reach out to your insurer. This includes your policy number, personal identification, and key details. Being prepared makes the whole process quicker and more efficient. You won’t want to be hunting around for details when you’re already stressed about your lost keys. Having everything laid out will help calm those pre-claim jitters.
### Don’t: Forget About the Remote
Many modern keys double as remote fobs, which are not just essential for unlocking your vehicle but can also be expensive to replace. If you’ve lost your remote, make sure to mention this to your insurer, as it may change the way your claim is processed. Understandably, replacing a standard key will be a different cost and process compared to a sophisticated remote key system. So, do your research on how your remote works and discuss this with your provider.
### Do: Stay Calm and Patient
Insurance claims can sometimes feel like watching paint dry. Patience is key, and staying calm through the process helps. Keep in touch with your provider, and don’t hesitate to ask questions if you feel something is delayed. The claims process is often subject to checks and approvals, which can take time. If you’re well-informed and proactive, you’ll reduce stress levels significantly.
### Don’t: Take No for an Answer
Sometimes, insurers can seem unyielding, especially if they’re trying to deny a claim based on fine print. But don’t be intimidated. If you believe you’ve followed the rules and your policy should cover your car key replacement, don’t hesitate to push back. Speaking with an adviser or requesting a review of your claim can often clear things up. Sometimes it helps to mention relevant policy clauses if you feel your claim is wrongly denied.
### Do: Know Your Rights
Understanding your rights is crucial. Under UK law, you have various rights regarding services you pay for, including your insurance policy. If you feel you’ve been treated unfairly or you believe your claim is unjustly rejected, explore your options. This can range from speaking to the ombudsman to consulting a professional. Knowing your rights empowers you to navigate the process with confidence.
### Don’t: Forget to Change Lock Mechanisms if Necessary
If your keys were stolen, it might seem like a straightforward replacement. However, safety experts recommend changing your vehicle’s locks to prevent further issues. While your insurer may replace your keys, they likely won’t cover the cost of changing your locks. This is especially true if the keys that were stolen had a more sophisticated electronic system. Consider this as part of your security routine.
### Do: Understand Associated Costs
Replacing car keys can sometimes come with additional costs that aren’t immediately apparent. Key programming, locksmith fees, or even dealership fees can add up. Ask your insurance provider about these potential costs before proceeding with replacement. This way, you won’t be left blindsided by bills that stack up, taking that loss from inconvenient to downright expensive.
### Don’t: Miss Preventative Measures for the Future
Once you’ve navigated the storm of key replacement, take steps to avoid similar situations in the future. Consider investing in a spare key, utilising key tracking devices, or simply practising mindfulness regarding where you place your belongings. A little foresight and planning will save you time, hassle, and potentially money down the road.
Navigating the waters of car key replacements under UK insurance policies doesn’t have to be daunting. By following the do’s and don’ts outlined, you’ll find yourself better prepared to handle whatever situation arises regarding your car keys. Remember, knowledge and preparation are your best friends in these scenarios!
Alan Weir – Master Locksmith with 30+ Years of Experience
Alan Weir is the founder of Weir Locksmiths and a Master Locksmith with over three decades of experience. Renowned for his expertise in home and automotive security, Alan has built a reputation for providing reliable and innovative locksmith solutions across the UK.
A certified member of the Master Locksmiths Association (MLA), Alan specialises in residential, commercial and automotive locksmith services including car key replacement, transponder programming, and advanced security systems. His dedication to the field has earned him thousands of satisfied customers and glowing reviews on platforms like Checkatrade.
Now contributing to RevLock, Alan shares his expert knowledge to all of RevLocks visitors.
