Included in auto insurance
When you lose your car keys, the problem is more with the collateral consequences of the loss than with the loss of the keys itself. Let's explain: Auto insurance never reimburses (with a few rare exceptions) the loss of car keys. Very expensive, the renewal of the keys remains the sole responsibility of the owner or lessee of the car. Rather, auto insurance deals with auto assistance issues such as breakdown assistance and moving the vehicle to the nearest dealership.
La Banque Postale Auto Insurance helps you out in the event of loss of keys (2)!
Be careful with the kilometer deductible! This is because automobile assistance may not be valid if the distance threshold is exceeded. For example, if you lose your keys while traveling abroad.
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Whatever insurance offers this loss of keys guarantee, the insured must be patient before they can hear their favorite key rings collide again!
What does lost key insurance cover?
Travel costs of the locksmith in the event of loss of home keys? Breakdown of the car in the event of loss of vehicle keys? Key loss insurance can affect both key loss itself and collateral damage.
In the event of a loss of house / apartment keys
As mentioned above, the key loss insurance will cover the travel costs of the partner locksmith as well as the first hour of intervention. Depending on the warranty chosen, the replacement of equipment (lock, cylinder, etc.) may also be covered. The reproduction of secondary keys is much rarer. This is why it is useful to take out insurance that offers this type of compensation!
In the event of a loss of car keys
With "classic" insurance, when a car keys are lost, the costs tend to be for the repatriation of the vehicle. And if you lose your keys during a move, no need to operate home insurance ... Again, few will do this type of recovery. The right solution is therefore key loss insurance, which can cover the reproduction of keys and all ancillary costs!
How to choose your key loss insurance?
Before taking out key loss insurance, a word of advice: be sure to study the different offers available on the market!
The conditions
Good insurance is insurance that offers many guarantees at a reasonable price. If you are looking for loss of key insurance, do not hesitate to inquire about the other services offered: theft of papers, theft of means of payment, telephone, tablet ... All this can weigh heavily in the balance when choosing !
The price
Currently, replacing car keys is very expensive. It is estimated that duplicating a car key costs between 50 and 300 euros depending on the model. In view of these high costs, it makes more sense to take out insurance for a few tens of euros per year rather than paying such amounts outright. While key loss insurances vary in price, the most important thing is to focus on their recovery limit. For example, with Alliatys Plus, key loss insurance offers 500 euros per claim and per year of insurance.
Before purchasing insurance, compare prices and make quotes from different insurers. There is no doubt that you will find what you are looking for and can now leave your home or leave your vehicle with a light mind!
3 questions to ask yourself about key loss insurance
Key loss vs. key theft, what are the differences in insurance?
No difference generally. If the filing of a complaint is expected in the event of theft, the procedures with the insurer are the same.
Is the creation of new keys covered by insurance?
Not systematically! Not all insurers offer this type of service. The reason ? Duplication of keys is very expensive.
Broken keys, does my insurance cover me?
If the key is broken in the lock, lost key insurance may cover the cost of the locksmith.
Interesting alternatives to never lose your keys
Losing your keys is quite an unpleasant experience. No one likes having to run around in vain to find their precious set of keys. To avoid this distressing situation, here are some interesting tips ...
1 - Opt for geolocated keys or a geolocated key ring
We say thank you to progress and technology! Using a GPS chip integrated in the key or on the key fob, you can find the precious sesame in just a few seconds. The only condition? Not to have lost the cell phone along with the keys, obviously
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