Does Car Insurance Cover Key Replacement in the UK?
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
- Check your policy documents
Look for "key cover" or "lost keys" — not just "comprehensive".
- Note your excess
And compare it against what the job will cost. Call us for a quote — it's free to ask.
- If keys were stolen, report it
Police first (crime reference number), then insurer.
- Decide: claim or pay direct
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.