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Importance Of Key Replacement Cover In Car Insurance

Written by Sumit Arora
Updated On Oct 16, 20232 min read

This post will go over important replacement coverage in vehicle insurance in great detail.

It's aggravating and upsetting to misplace your car keys. When you're in a hurry or preoccupied with something else, it's easy to misplace your car keys. FOBs (Frequency Operated Buttons) have taken the place of traditional lock keys as technology has advanced. When compared to conventional keys, these are far more expensive to replace. As a result, having key replacement coverage in your car insurance is critical for assisting you in this difficult scenario.

This form of coverage allows you to submit a claim to the authorised original equipment manufacturer (OEM) for the cost of replacing remote car keys and keyless frequency operated buttons (FOBs). It is an available cover with an additional price, and you should check with your insurance provider to see if they provide it. It can prove to be very helpful.

Importance Of Key Replacement Cover In Car Insurance

Why Is Key Replacement In Car Insurance Important?

If you haven’t already, you should reconsider getting coverage for your car keys. Here’s the why and how:

1. Key Replacement In Car Insurance Benefits

Car keys are more than just a piece of metal; they're a sophisticated piece of technology that allows you to drive your treasured item. Aside from the financial hardship, losing your car key may cause a lot of worries. Insurance companies are evolving and now provide plans that cover your car keys as an add-on option called Key replacement protection in car insurance.

The Key Replacement Coverage is an add-on that is offered with both comprehensive and independent own-damage car insurance plans. Add-ons are available for a small additional fee, but they are well worth it owing to the additional coverage they provide. A lost key cover protects you against the cost of replacing your car's key if it is lost, damaged, or stolen.

2. Types Of Car Keys And Expenses

Car keys are divided into three categories:

  • Manual: These are for older vehicle models; many are no longer in production unless you possess a vintage version; nonetheless, insurance may cover them.
  • Remote: In case of an emergency, this sort of automobile key has a push button and a turning key.
  • Keyless: The turning pin is absent from a keyless start (FOB), but you must be near your car to unlock and start the ignition.

Also Read: How Do I Know When My Car Insurance Policy Is Due? 


3. How To Buy Key Replacement Option For Car Insurance?

A car insurance add-on policy for key replacement is available. It is available for purchase at the time of purchase or renewal of a normal comprehensive or separate own-damage car insurance policy. By following these instructions, you may purchase a key replacement cover online.

  • Go to the official website or app of your insurance provider.
  • Purchase a basic comprehensive auto insurance policy and supplement it with the Key Replacement Cover add-on. This is something you can do even if you're renewing your licence.
  • The policy paper will be sent to your email address right away.


4. Conditions Of Key Replacement In Car Insurance

The terms and conditions of car insurance key replacement coverage differ from policy to policy. Here are a few examples of frequent exclusions:

  • The sum covered under the manufacturer's warranty will not be insured by the insurance carrier.
  • Payment claims that do not have proper receipts or invoices will be denied.
  • Other than the keys, lock, lockset, and items linked with it, the insurance policy does not cover any damage or loss to any portion of the covered vehicle.
  • If the insurance provider determines that the damage was caused by malevolent conduct or an intentional criminal act, the claim will be denied.


Basic car insurance is insufficient to protect yourself from financial responsibilities. As a result, depending on how you use your automobile, you must choose the proper insurance as well as any add-ons you believe would be beneficial. Choose your insurance wisely, and don't forget to bring your car keys! If lost or damaged, they can be hard to replace. So, you should have cover for your car keys as well.

You may also like to read: Best Car Insurance Add-on Covers And Their Significance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Sumit Arora
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 Sumit is an insurance industry veteran with more than 20 years in the industry. Sumit is a frequent columnist and speaker at major insurer conventions and is a heard name in insurance circles In his free time, Sumit likes to spend time with his family and go on trips

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