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Covers the cost incurred to replace the vehicle key if it’s lost or stolen. Do you understand that only with the key you can start your car to go on a daily basis to your way back to work or to any other places? Guess if it’s stolen and that will be the most stressful and frustrating thing. We lose control after losing the car key as it spoils our mood and also our work. This situation makes us overthink many questions like, what if our car gets stolen? And what is our key is in someone hands and our car gets stolen?
These questions arise since the car is one of the most expensive and luxurious things we work hard and saved more money to buy them! Now cars have become more modern and the keys are based on Frequency Operated Buttons (FOB) which becomes a lot more expensive since it is a high-end car key when it is lost and we try to replace them and also cost a huge amount of money.
For all these solutions, it is better that we opt for key cover in insurance, where you can purchase it additionally along with the comprehensive car insurance policy and can get replaced with a new key in case of theft or losing your car key without any hassle. This cover includes the locksmith charges too. In most of the policy, only the key can be replaced and with proper understanding with the insurer, you can opt a key and lock replacement cover if it’s possible. Like driver cover, passenger cover, paid owner cover, Key cover also plays a major role when it comes to protecting our car.
What does the Key cover include?
- This cover applies if the car key is lost.
- Stolen
- In case of a burglary, the key, lock and the lockset will be replaced
- Broken
- Damaged
What does Key cover Exclude?
- Deliberately lost or damaged the keys or locks or lockset
- If the cars are insured but not the keys.
- The damages caused due to war or radioactive contamination or any other hazardous substances.
- If the loss or damages are covered under the warranty of the manufacture.
The claim can be made to the replacement of keys to a respective number of times and beyond that, we have to pay for it. However, keeping our keys and cars safe is our primary job and in case anything happens it is better to opt for a key replacement cover for utmost safety purpos
