Back to blog home

What to do if you lose your car keys

What to do if you lose your car keys

Losing your car keys is a nightmare situation – and there’s never a good time for it to happen.

However, help is at hand and there are plenty of options to get you back in your car and on the road. Here are some good options:

Call your breakdown service provider

Many drivers will call for breakdown assistance as their first response- some cover providers offer car key replacement as a standard. However, this isn’t always the case so it’s worth checking your policy.

Most breakdown companies will arrive soon after being called out, so this should be a fairly fast fix.

Use an auto locksmith

There are plenty of auto locksmiths around that can ‘cut’ you a new set of keys.

An auto locksmith will electronically programme a new remote key that works for your car – or cut you a new key blade – for just about any car make and model. They’ll also make sure the old key can’t be used in case it’s fallen into the wrong hands!

To find a registered locksmith, visit the Master Locksmith Association’s site. https://www.locksmiths.co.uk/

As with a breakdown provider, the process shouldn’t take long as most auto locksmiths are highly mobile and can come out to your vehicle if required.

Buy a replacement set from a car dealership

Getting new keys via a franchised dealership for your make of car is probably the most expensive option, with the longest delay.

However, you should receive a set of keys that are guaranteed to work the first time.

If you buy new keys this way, you can expect to wait for a couple of days or more.

Use a high street cutting service

If you’ve got a spare set of keys, and simply want to replicate the lost set so you’ve got two again, consider using a high street cutting service such as Timpson.

A good cutting service will have cloning machines that produce exact copies for remote keys and can cut older-style key blades.

Most claim that this is cheaper than using a dealership, but you will probably have to visit a high street branch.

Make a claim on your Key Cover insurance

Losing your keys or locking yourself out is stressful and can be costly.

If you have Policy Expert Key Cover or Policy Expert Key Cover Plus, we can help you, no matter where you are in the world. When you buy Key Cover, you have insurance for lost and stolen keys, keys broken in a lock and keys that you have accidentally locked in your home or vehicle which would require a locksmith to help you gain entry.

You’re also insured for up to £50 a day of vehicle hire charges – for up to three days – if losing your keys has stopped you from using your car. We also insure you for transport costs of up to £100 per claim to get you or your vehicle to your original destination, your home or a garage.

If this sounds like a service that you’d like, you can add Key Cover to your policy when buying either Policy Expert Home or Car insurance.