Key cover can contribute to the cost of replacing lost or stolen vehicle keys and, depending on the policy, locks, coding or locksmith services. Limits and exclusions vary.

How insurers commonly treat this

• The maximum claim limit can be substantially lower than the cost of some modern key systems.
• Policies can distinguish lost keys from stolen keys.
• Replacement locks or electronic recoding may or may not be included.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.