Key loss insurance: I lose my keys, what does my insurance say?

Key loss insurance: I lose my keys, what does my insurance say?
Losing your keys is an embarrassing situation we could do without. When that happens to us, it's hard to know what to do next. Fortunately, key loss insurance exists today: accessible and useful, this guarantee allows policyholders to be covered in the event of a bad surprise!

Losing keys: the right reflexes to adopt
Take the time to ... look for them again!
Even if the conditions are right, now is not the time to panic. Stress and nervousness tend to cloud ideas and impair judgment. Impossible, therefore, to remember the last place where the keys were seen! The best attitude to adopt? Keep calm, check your pockets and purse, ask a loved one to bring a fresh perspective to the research ... In short, act intelligently and not get overwhelmed by your emotions. If you have given a duplicate of the keys to someone close to you, contact them quickly so as not to be left on the doorstep ...
Contact your insurance
Despite the urgency of the situation, it is necessary to take the time to contact your insurance. Auto insurance, home insurance or loss of key insurance, make sure you are surrounded by good people at this delicate moment! By contacting your insurer, you will be informed of the procedure to follow: declaration of the loss or theft of a key, response times, compensation, etc. On the other hand, the insurer can put you in contact with a partner locksmith nearby. Finally, he is familiar with this kind of situation and will know how to guide you perfectly. At such times, nothing better than being reassured by qualified professionals!
Wait for the locksmith to intervene
If your home insurance or key loss insurance allows it, a locksmith approved by the insurer will come to your home. The advantage? You don't have to worry about the paperwork, your insurer takes care of everything! Depending on the level of urgency and the availability of professionals in your area, you will be contacted to open the door and change the lock. Even if the situation is scary, take your trouble patiently: everything (always) turns out to be fine!
Declare the loss of keys to the police station
In the event of a loss of house keys, in particular if there is a break-in, the declaration of loss of keys is mandatory. The same goes for car keys, especially if this loss is coupled with a loss of identification or registration papers. The reason ? The loss of car keys, for example, can lead to theft of the vehicle. We must act while there is still time! Steps to follow ?

Go to the nearest police station or gendarmerie;
Complete a certificate of loss of keys and send it to the insurer;
In the event of theft of keys, file a complaint with the gendarmerie or the police as soon as possible.
 
 To note
The certificate of loss of keys is MANDATORY in order to be able to benefit from the compensation provided by loss of key insurance, auto insurance or home insurance. Likewise, in the event of theft of keys, the insurer will imperatively ask for proof of the filing of a complaint before taking charge of the claim.
Key loss insurance, where is it included?
The reality is that few policyholders are aware that they can benefit from such a service. Key loss insurance is not well known to the general public! However, every year, many people lose their keyring or have the bitter experience of having it stolen ... To see more clearly, here are the three types of insurance that can include lost key insurance.
Included in your banking contract
Often unsuspected, this guarantee is nevertheless indeed viable! Key loss insurance may be included in your banking contract. Currently, there are several bank cards that offer car key loss insurance: Mastercard, Visa Premier or American Express. The good news ? The costs of reproducing the keys are covered by the credit card! For this, it is necessary to declare the loss of the car keys and to establish a file to be presented subsequently to the bank.

At La Banque Postale, the renewal of car or house keys is taken care of without loss! While some banks offer a refund “if and only” the keys have been lost / stolen at the same time as the means of payment, this is not the case with the Alliatys Plus (1) offer offered by La Banque Postale.
Open a bank account at La Banque Postale
Included in home insurance
The situation: you come home after a day's work,