Losing your car keys is always hugely inconvenient. This inconvenience will quickly be replaced by the shock of replacing them; in some cases, lost keys can write a vehicle off. We look at how you can replace lost keys, without breaking the bank.
1. Get It Covered
Some insurance policies automatically cover lost or stolen car keys; others have it as an added option on the policy. If your keys have disappeared, check to see if you are covered first. If you’re not, make a mental note to get insurance on your keys next time. If your car insurance policy does include key loss or theft, check your excess and consider the impact the claim will have on your premium, particularly if you have a no claims bonus, before you make a claim.
Your best option is to investigate key insurance; a stand-alone policy that will ensure that you are covered, without impacting your car insurance. As always, check the small print; while some policies offer pick-ups and car hire if you are key-less and stranded, others have a set waiting time before replacing lost keys.
2. Call Your Recovery Service
If you are registered with a breakdown recovery service, they can help if you have locked your keys in your car. Depending on your level of cover, the recovery service will: break into your car so you can retrieve your keys; contact a locksmith to open the vehicle; take you to a local garage for assistance. The cost and level of service depends on your policy - another reason to always read the small print.
3. Bite The Bullet And Buy A New Key
If you’re not insured and your keys are never going to turn up, you will have to replace them. In this advanced technological age, keys are increasingly expensive. It’s not just a case of cutting a key, they must be programmed and coded to enable features such as remote locking, motion alarms, keyless entry and keyless starting. This could take up to two weeks and cost almost £300, depending on your vehicle.
4. Visit A High Street Locksmith
If you just want a back up key, your local locksmith can help. You can get a basic car key cut in case of emergencies for under £100 – a considerable saving on the manufacturers' alternatives. Bear in mind, though, that the key will work in the most basic sense, i.e. you will be able to unlock a door and put the key in the ignition. The key won’t give you remote locking and unlocking or alarm disabler (you will probably be faced with an embarrassing alarm for a couple of seconds when you start the engine), and you certainly won’t have keyless entry. But you will be able to get from A to B – so if you are looking for a spare to keep at home (or even in the car) in case of emergencies, then this will probably do.
If you have lost a key, contact your local garage for help.