Cost of Replacing Your Car Key

It’s something we may not think of but if your car key is lost, stolen or broken are you aware of the cost to replace it?

Independent Motors recently carried out research on the subject and found that most companies priced the job at an indication price of somewhere between €50 and €300 with extreme cases potentially costing €500. Our experts in Keycare confirmed they have come across even more extreme cases, with some claims costing up to €1,500.

So, what should we do to try and avoid this unnecessary cost? Before you purchase your Car Insurance policy, check to see what your options are in relation to key cover. Most Insurance Companies provide the option to add key cover as an optional extra on your car insurance policy for a small fee, one that could end up saving you a lot of money in the long run.

An Post Insurance offers Keycare cover as an optional extra of just €10.50 (including Government levy) * – that’s less than €1 per month.  With no Excess to pay and no impact to your No Claims Bonus in the event of a claim, it’s definitely worth the few extra bob.

What’s covered?

1) Replacement keys, replacement locks and any locksmith charge up to €1,500 within each period of insurance for the following scenarios;

• Stolen insured key: Locksmith charges or replacement locks.
• Lost insured key if no duplicate key exists: Locksmith charges or replacement locks subject to conditions and a waiting period of 48 hrs.
• Locked in house/Car: Locksmith charges incurred gaining entry to the house/car

2) Cover for broken keys/keys broken in a lock up to €100 per claim.

3) Day Vehicle Hire up to €50 per day.

• For Lost keys: Covered if a duplicate key does not exist and is subject to conditions and a waiting period of 48 hrs
• If locked in car & a duplicate key exists- Onward transport costs to get vehicle to original destination up to €100 per claim

4) €10 reward to the finder of your lost insured key.

For full details on our Key Care cover.

*Please note this optional extra is not necessary to purchase in order to purchase an An Post Insurance Motor Insurance Policy.

Keycare is administered by Keycare Assistance Limited and underwritten by Mapfre Assistance Agency Ireland.

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