What is Key Cover?
Key cover is an insurance feature that protects you against the costs associated with lost, stolen, or damaged vehicle keys. It can help cover replacement costs, locksmith fees, and other expenses so you can quickly regain access to your vehicle and get back on the road.
*All information included on this page is general information and not specific to Collingwood Insurance
What does Key Cover include?
Key cover typically provides protection for:
✅Lost keys: Covering the cost of replacing lost vehicle keys.
✅Stolen keys: Replacement of stolen keys, including reprogramming alarms and immobilisers if necessary.
✅Broken or damaged keys: Coverage for repairing or replacing keys that have been accidentally damaged.
✅Locksmith services: Paying for a locksmith to help you regain access to your vehicle.
✅Transport costs: Reimbursement for taxi or public transport if you’re stranded without your vehicle.
What isn’t covered by Key Cover?
Key cover usually has exclusions, such as:
❌Lost or stolen keys without a valid crime reference number (in cases of theft).
❌Keys damaged due to general wear and tear or pre-existing issues.
❌Upgraded or non-standard locks and keys.
❌Costs beyond the policy limits or exclusions specific to your insurer.
Always review your policy to understand the exact coverage and limitations.
Why add Key Cover to your insurance?
Replacing car keys, especially modern remote or smart keys, can be expensive. With key cover, you’re protected from unexpected costs and inconveniences like:
- The average cost of a remote car key replacement, which can exceed £300.
- Time spent arranging replacement keys, alarms, or immobilisers.
- Being stranded without your vehicle.
Key cover ensures that losing or damaging your keys can be fixed without causing major disruption to your day.
How to get Key Cover
Key cover can be added to most insurance policies as an optional extra. Contact your provider or check your policy details find out more.