Are Car Keys Covered Under Insurance?

Are lost car keys covered by insurance?

Yes, Key Replacement Cover protects against the loss of car keys. It is an add-on insurance cover, which can be availed at an additional premium. If you lose your car, then your insurance company may pay a locksmith to open the door and get it running again.

Are stolen car keys covered by insurance?

In India, coverage for stolen car keys can vary depending on the specific terms and conditions of your car insurance policy. Standard comprehensive car insurance policies typically cover theft of the entire vehicle but may not explicitly mention coverage for stolen car keys. However, some insurance providers offer add-on coverages or riders that include coverage for stolen keys. It's important to carefully review your insurance policy or reach out to your insurance provider to understand the extent of coverage for stolen car keys. If your policy does not include coverage for stolen keys, you may consider exploring additional add-ons or riders that offer protection against such incidents or consider separate key insurance policies for added security.

Are lost car keys covered by insurance policy?

If you have a comprehensive car insurance policy, then the answer is “probably”. A comprehensive car insurance policy covers the loss of your keys, theft of your car or parts, and other incidents that result in damage to your vehicle.

Does Insurance Cover Stolen Car Keys?

Key Replacement Cover in car insurance. provides coverage against stolen car keys.

Does Insurance Cover Lost Keys?

Standard car insurance policies in India generally do not cover the cost of lost keys. Insurance coverage typically focuses on damages or losses related to accidents, theft, fire, or natural disasters. However, some insurance providers may offer additional add-on coverage options or specific policies that include coverage for lost keys. It is advisable to review the terms and conditions of your policy or consult with your insurance provider directly to understand if there is any coverage for lost keys under your specific car insurance policy in India. Additionally, it's always recommended to inquire about separate key replacement or roadside assistance services that may be available through your insurance provider or other service providers.

Does Insurance Cover Stolen Car If Keys Left?

In most cases, car insurance only covers the car itself, not the value of any items that were in it. The insurance company will only cover stolen cars if the keys are left in the ignition and they can be verified as stolen.

If your car was stolen and you found out that your keys were still in it, you would need to contact your insurance company to see if they would cover the theft. If you had a garage door opener or a remote for your car that was inside of it when it was stolen, then those items might be covered by your policy.

If there is no way to verify that something was stolen from your vehicle, then you may be out of luck with regards to getting reimbursed for what's missing from inside of it.