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Ever lost your car keys? Here’s what to do.Back

Most of us will have lost our car keys, but did you know that being locked out of your car can be even more expensive than if it breaks down according to the

Lost or stolen keys can prove to be a costly affair, and increasingly advanced car key systems mean the cost of getting a spare set has been rising. So, what can you do to avoid the expense of a replacement set? Of course the best thing would be to avoid losing them in the first place, but all of us have experienced a scatterbrained moment somewhere in our driving careers.

A recent survey by Lloyds TSB Car Insurance found that 26 per cent of drivers have suffered at the hands of misplaced keys, and one in 20 has been a victim of car key theft.

Out of the people who lost their keys, one in five people misplaced them at work, with 15 per cent losing them during a shopping trip and 13 per cent whilst visiting friends or relatives. Among those with stolen keys, 19 per cent were stolen from a bag whilst 10 per cent were swiped from inside the car.

Kevin Pratt, Moneysupermarket’s insurance expert advises motorists to check on their motor insurance policy before claiming for a replacement set of keys. According to the Association of British Insurers, many car insurance policies cover keys as standard. But is it well worth looking to see what level of cover is provided and what you’ll pay if you claim.

If you have to pay an excess on top of your existing car insurance policy, it could end up costing you more than the keys themselves, and if you do make a claim, you want to avoid putting your no claims bonus into jeopardy.

One option to alleviate the problem of lost keys is to take out a stand-alone key cover policy. If you know you are prone to losing your keys quite often this might be a worth looking into and will offer incentives such as a taxi home to retrieve a spare key. Alternatively, some companies such as will keep a set of spare keys for you for just £3.99 per month which they will deliver to you should you get stranded.



Posted by Leana Kell on 21/08/2013