Does Car Insurance Cover Key Replacement in the UK? |
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Quick answer
Sometimes — but rarely as simply as you'd hope. Standard UK car insurance usually doesn't cover lost keys; dedicated key cover is often an add-on. Here's how it actually works, and what to check. Locked out now? Call 07425 435697.
The short answer
Most standard comprehensive policies in the UK do not cover lost car keys as standard. Some include it, some offer it as an optional extra ("key cover"), and some exclude it entirely. The only way to know is to check your own policy documents — not your insurer's marketing page.
Where key cover hides in policies
- Key cover add-on. Many insurers sell this separately — often £20–£40 a year — covering lost, stolen or damaged keys up to a limit. If you bought it, this is your moment.
- Comprehensive policies. A few include key replacement, but usually with conditions and excesses. Read the fine print.
- Stolen keys. If your keys were stolen (not just lost), some policies treat it differently — particularly if the car was then taken. Report thefts to the police first; you'll need the crime reference number.
- Breakdown cover. Separate from insurance, but worth checking — some breakdown policies include lockout assistance.
The excess trap
Before you claim, do the maths. If your excess is £250 and the key job costs less than that, claiming saves you nothing and puts a claim on your record — which can push next year's premium up. For many standard keys, paying a locksmith directly is cheaper than claiming. For expensive smart fobs, the claim may be worth it. Work it out before you ring the insurer.
What to do right now
Look for "key cover" or "lost keys" — not just "comprehensive".
And compare it against what the job will cost. Call us for a quote — it's free to ask.
Police first (crime reference number), then insurer.
We'll give you a receipt either way, which you'll need for any claim.
We're not insurance advisors — this is general guidance from what we see, not advice about your policy. When in doubt, call your insurer and ask directly.
- Check your policy documentsLook for "key cover" or "lost keys" — not just "comprehensive".
- Note your excessAnd compare it against what the job will cost. Call us for a quote — it's free to ask.
- If keys were stolen, report itPolice first (crime reference number), then insurer.
- Decide: claim or pay directWe'll give you a receipt either way, which you'll need for any claim.
Related services
- Emergency Car Lockout
- Lost Car Key Replacement
- All Keys Lost
- Broken Key Extraction
- Spare Car Key
Related questions
Does car insurance cover key replacement?
Sometimes — some comprehensive policies include key cover, and some don't. Check your policy documents or call your insurer before you pay for anything; if you're covered, you may only pay the excess.
Will claiming affect my no-claims bonus?
It can, depending on the insurer — some treat key claims as no-fault, others don't. Ask your insurer directly before claiming; for cheaper keys it's often not worth it.
Can you provide paperwork for an insurance claim?
Yes — ask us and we'll give you a clear description of the work done. Keep our quote and receipt; insurers usually want both.
Need a locksmith, not just a guide?
Call 07425 435697 — open 24/7 across Birmingham. Tell us the make and model and we'll give you an honest price before we set off.
Open 24/7 — nights, weekends and bank holidays included.