Key Insurance

ripplyuk

I've been looking at a policy from KeyCare and have found that adrianflux.co.uk seem to offer the same policy for a lot cheaper. Has anyone ever used these companies or a similar policy? It doesn't seem to be a very popular type of insurance.

My keys are covered under my home and car insurance policies but I'd rather not have to claim on them and lose my NCB. I currently have key insurance through my AA breakdown cover but the renewal cost is too much this time.

I don't know anyone else who insures their keys so I'm also wondering if it's because the policies aren't that good in the event of a claim. It seems a good idea to me as the cost of replacing the car key/immobiliser/door locks etc could be very high.

forgotmyname

Is it cheaper to buy an extra spare key?

ripplyuk

I have spares for everything but I'd still like my main car key for the central locking to be replaced if lost. The spare one is very basic. Also, I'd still need a locksmith to get me into the house to get the spare keys. I'm not keen on hiding them under a plant pot or something outside.

These policies seem quite inexpensive, around £19 - £32.