WHAT IS KEY COVER?

Key Cover provides compensation up to £1,000 should a registered insured key be accidentally lost, broken or stolen within the UK. Please read the Policy Wording to ensure this product is right for you. Please ensure you save a copy of the document for your records. 

WHY DO I NEED IT?

Lost or stolen car keys can be an extremely expensive inconvenience. All car keys since 1995 have to be fitted with a transponder chip (linked to a vehicle immobiliser) but this advanced technology means the average cost of replacing a car key is around £200. And, if your house keys are with your car keys, you have the extra hassle and expense of changing your home door lock too.

THE BENEFITS OF KEY COVER

If your insured keys are lost, broken or stolen, you’re covered for:

• Any key to any external door to your home, or vehicle including electronic key fobs and immobiliser keys.
• Replacement of insured keys where you have access to duplicate keys.
• Access to a nationwide network of locksmiths.
• There’s no excess to pay.
• Your no claims discount on your main home or motor insurance policy won’t be affected.

HOW TO MAKE A CLAIM

You must report if your insured keys are lost, broken or stolen by calling the number within 48 hours of the incident.

If the keys have been lost or stolen, you must also report it to the police and ask for a crime reference or lost property number.

Please call policy administrator AXA Assistance UK Limited on 0345 607 5329.

For your own security, we may also ask you to provide evidence that you are the owner of the vehicle or premises to which the stolen or lost keys relate. 

Click the link for more information on our Key Cover Terms and Conditions.