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Lock Key Replacement Cover Under Car Insurance

Forgetful Much? Think About A Key Replacement Cover

Sample this: It is a busy morning and you have an urgent meeting slated soon. Just when you dash for your car, you realize that you cannot find the keys. You run from pillar to post, and eventually conclude that you must have misplaced the keys somewhere.

Now this is not a good spot where you can be in, considering keys nowadays are sophisticated and can only be made/duplicated by the manufacturer. In such a situation, chances are you would have to shell out a considerable sum from your pocket in order to get an alternative set of lock an keys. However, with a Key Replacement Cover, a financial crisis is averted.

Why is a Key Replacement Cover important?

With the conventional car insurance policy, there is no particular clause that pertains to the keys of your car. This essentially implies that if you lose them, you’d have to request the car maker for an alternative set of keys. In all probability, you’d have to wait for a few days before you get the keys delivered. Also, you might have to replace the lock, implying added expenditure on your part.

However, this value-added service in the form of Key Replacement Cover helps you get recompensed for the value of lost keys as well as the lock, in case it needs to be changed. Also, most insurers also cover the cost of installing the new lock. However, the number of times you’d be able to use this add-on cover, within a particular policy period, will vary across insurers.

Further, leading insurance companies would also cover the costs of getting your car to the nearest network garage.


A Key Replacement Cover makes good sense in case you are forgetful. However, you can also avail this add-on cover for that additional layer of security.

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