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What Is Key Protection Add-On In Car Insurance?

Published On Aug 15, 2022

What Is Key Protection Add-On In Car Insurance?

The loss of a car key is a frequent yet upsetting occurrence for many. In such a situation, customers typically end up visiting a locksmith and paying anything between Rs. 100 and Rs. 300 for the creation of a duplicate key. Modern midrange to high-end vehicles all features difficult-to-copy computer-coded, encrypted car keys. Such vehicles may require unlocking by a qualified service centre authorised by the automaker, which may cost between Rs. 1500 and Rs. 4000 for the service based on the brand, manufacture, and model of the vehicle.

What Is Key Protection Add-On In Car Insurance?

Losing your car keys may be a very costly situation. However, if your insurance coverage includes a key replacement benefit, you may save money and stay out of trouble. Key replacement is a fairly rare add-on insurance coverage offered by insurance providers in India. This component is not covered by the third-party auto insurance policy or, for that matter, the standard comprehensive insurance coverage. Due to the add-on coverage, the insurance provider is responsible for paying the fees associated with transporting the automobile to the local servicing facility and having duplicate keys created. To know more about key protection add-ons in car insurance, read on.

What Is A Key Replacement Cover?

The replacement cover for the key is an accessory cover. This add-on is available from the insurance provider independently from the comprehensive auto insurance plan. This may only be purchased if the policyholder has comprehensive auto insurance. To be covered by the add-on for key replacement, the policyholder must pay a higher premium.

What To Do When Car Keys Get Misplaced?

It is important to do a thorough search in all potential locations before considering ordering duplicate keys. This is crucial since buying a new key when the old one can be found easily is pointless given how expensive key replacement costs may be. If you have accidentally locked your keys inside the vehicle, the breakdown service provider can unlock the vehicle for you at no charge (if covered in the insurance policy). You might need to seek the assistance of a locksmith, who will charge a fee if they are unable to solve the problem. Some high-end insurance plans provide you with the choice of having your backup key picked up and given so you won't have to pry open the lock.

Getting New Car Keys

The final resort is to have a duplicate key created if all other efforts to locate your original key have failed. As was already noted, this may be pricey. The locking mechanisms used in modern automobiles are far more sophisticated than those of the past. The security of cars has improved thanks to the installation of smart locking systems, immobilisers, theft alarms, programmable chips, and ignition software.

Key Insurance Protection

The insurance company determines if the costs associated with critical loss or replacement are covered under your policy. While some insurers provide it as an add-on insurance or an improved policy, others offer it as the normal key protection. You should ask the insurance company if they allow claims for misplaced keys before purchasing a car insurance policy. If the same is offered as an add-on cover, you can choose to add it to your insurance policy by paying a little higher cost.

Few automobile insurance providers pay the costs associated with replacing locks or keys there under key replacement add-on plan. A person is only permitted a certain number of important replacement claims over the duration of the insurance. It is preferable to find out the cost of substitution from the repair centres in addition to the maximum number that your insurance policy would reimburse prior to filing a claim for your lost keys.


Luxury or high-end vehicles are pricey, and even the keys to the vehicle have evolved in technology to assure its security. Because of this, replacing them or even repairing them is costly and takes a skilled mechanic. The auto key insurance is useful for preventing any financial obligations brought on by the loss or damage of these sorts of keys, and it aids you in replacing or repairing them.

Also Read: 

How Many Car Insurance Claims Can Be Filed In A Given Year?

Learn Everything You Can About Public EV Charging In India.


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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