Enhanced key cover

We’ve all been there. Checking our pockets dozens of times for missing keys. Some key cover is included as standard with our car insurance, so if your keys go missing, we’ll help you replace the locks on your door and boot. We also offer enhanced key cover which gets you an additional level of indemnity up to £1,500 and also covers your home and office keys too – our enhanced key cover is optional, but let’s face it, if your keys are lost or stolen, you’re going to feel quite relieved to have it.

It won't bring your keys back there and then, but it could save you money and get you back on the road quicker. 

Key cover is sometimes called key insurance or key protection. It pays towards the cost of recovering or replacing your keys if they're lost, stolen or damaged. And the good news is claiming won’t affect your no-claims discount. 

What’s covered?

Lost or stolen car keys can be upsetting and stressful, we can't deny that. But we can help cover the costs. You’ll get up to £1,500 (including VAT) worth of cover if your keys are lost, stolen (you will need a crime reference number) or damaged. 

We’ll also help you out by:

• Replacing your lock and key
• Reprogramming your alarm and immobiliser
• Getting you back into your car if your keys are locked inside
• Covering the cost of public transport – keep the receipts
• Providing three days' car hire (up to £75 per day) if you're stranded far from home
• Giving you access to our 24-hour emergency helpline

And if your house keys are with your missing car keys, we’ll:

• Replace your locks and keys
• Get you back into your home if your keys are locked inside

This cover also extends to any other keys you might have, such as for your office or gym. You’ll need to cover the cost initially, then claim it back.

What's not covered?

There are a few things our key protection won’t cover, for example:

• Stolen car keys without a crime reference number
• Public transport or taxi fares without receipts or tickets
• Car hire, unless approved by your insurer

For full details of exclusions, have a look at our policy documents. 

Get more mileage from your car insurance

For fuss free motoring, you can tailor our car insurance to suit you. Choose from fully Comprehensive or Third Party, Fire and Theft cover and a selection of optional extras, including:

• No Claims Discount Protection – keep your discount even when you make a claim
• Guaranteed Courtesy Car – if a small hatchback won’t cut it, upgrade to a car a similar size as yours
• RAC Breakdown Cover – choose from a range of cover to help when you’re stuck at the side of the road