Wallet. Phone. Keys. Wait, where are my keys? Losing your car keys is frustrating and can cause security issues.
- Know what to do when you lose your key and how to get replacement car keys.
- Recognise important information you need when requesting a replacement.
- Understand the insurance claims process and how to protect yourself in the future.
The realisation that you’ve lost your car keys can be unnerving, but knowing how to get replacement car keys will mean you’ll be back on the road in no time. Keys have to be one of the most commonly misplaced item - we've all been there, so don’t be too hard on yourself.
Lost car keys? Here’s what to do.
You can order replacement keys from car dealers, but it can be an expensive option, costing around £200 a set. If your car key is lost or stolen, you may be able to claim on your car insurance policy. It’s worth checking your policy documents to see if this is included.
Insurance that covers lost car keys often includes processes to help get you on the road as soon as possible. Regardless of whether you claim or not, it’s important to let your insurer know you’ve lost your car keys as theft can lead to security issues.
Getting replacement car keys
- Once you’ve reported the lost keys, the vehicle should be moved to a secure location and then taken to a garage.
- Some policies will arrange a courtesy car. This can be a useful option to consider when taking out insurance as it will prevent additional disruption caused by lost keys.
- The garage should arrange for all the door and boot locks to be changed and replacement keys, car entry systems and transmitters to be provided.
- Once the replacement is complete, the garage should then arrange the return of your car and the new set of keys.
- If you’ve managed to lock your keys inside your car, a recovery service will be able to safely enter your car and retrieve them for you.
Before you call
- Know the make and model of your vehicle.
- Know your VIN (Vehicle Identification Number) – this is on your V5 document in your vehicle's logbook.
- Provide documents that prove you own the vehicle, as well as your driving licence and proof of your address.
- Have your insurance policy information nearby to refer to so your provider can access your details.
- Know your precise location so a locksmith can be sent out to your car.