Losing any of your belongings is annoying, but car keys are something else. And it’s not always just your car key on the keyring; many people also carry their home keys on the same bunch.
A survey by the RAC revealed one in 20 drivers permanently lose their keys, and spend an average of 14 hours every year looking for them.
If, like many motorists in the UK, you drive a Ford Fiesta — the UK's best-selling car with over 77,000 registered last year (2019) — you’d be looking at paying an average of £230 in car key replacement costs, according to The Autolocksmith's 2018 data.
But while cost may not be everything, the inconvenience of replacing lost keys is certainly an issue. But, you do have a few options.
If you have spare keys, make sure you keep them somewhere accessible in the event of your main set going missing. If you keep your car and home keys on the same bunch, don’t keep your spares at home as you may not be able to get to them. Ask a family member or friend to keep them safe at their home so you can access them if you ever need to.
If you haven’t already lost or broken your keys, or they haven’t been stolen, you may want to protect them in order to have an easy solution if the worst should happen.
You can add Keycare Cover onto your Admiral Car Insurance at any point. The car key replacement costs are covered, as well as locks and arranging locksmith services, if your keys have been lost, stolen or broken (up to £2,000)
What's more, there's no excess to pay and you can avoid claiming on your home or car insurance, so you won't lose your No Claims Bonus.
An insured key which is damaged by accidental means (not wear and tear), and no longer operates the associated lock.
Yes – the policyholder’s keys are covered regardless of who loses or breaks them. This includes car keys, house keys and personal property keys.
You can claim for your lost, stolen or broken keys by calling Keycare on 0345 305 8144; you must report the claim within 45 days.