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What Is Key Protect Cover In Car Insurance

A Key Protect Cover in car insurance offers reimbursement for lost, stolen, or damaged car keys. This add-on covers locksmith, key replacement, and even towing costs, ensuring peace of mind for policyholders.

  • 14 Apr 2025
  • 3 min read
  • 35 views

Have you ever lost or misplaced your car keys? If yes, then you know how inconvenient and stressful it can be. Not to mention, the cost of replacing or repairing your car keys can be quite high, especially if you have a modern electronic key or a keyless entry system. But what if there was a way to protect yourself from such expenses? Well, there is. It is called Key Protect Cover in Car Insurance. Read on to learn more about what is key protect cover in car insurance.

 

Meaning of Key Protect in Car Insurance

 

Key Protect Cover in car insurance is a rider benefit you can buy with your comprehensive car insurance policy. It pays for the expenses you have paid from your pocket due to the loss, theft or damage of your car keys. Some of the benefits of this cover are:

 

  • If required, it reimburses the cost of replacing or repairing your car keys, including the lockset.
  • It covers the cost of hiring a locksmith or towing service if needed.
  • It covers all types of car keys, whether traditional, electronic or keyless.
  • It has a low additional premium and a high coverage limit.

 

However, there are some conditions and exclusions that apply to this cover. For example:

 

  • You must file a police FIR in case of theft or loss of your car keys.
  • You need to submit the original invoice and receipts for the expenses incurred.
  • You can claim this cover only up to a certain number of times in a policy year.
  • You cannot claim this cover for wear and tear, mechanical or electrical breakdown, or intentional damage to your car keys.

 

Conclusion

 

If you were wondering what is key protect cover in car insurance, we hope this article has helped. Key Protect Cover in car insurance is a valuable and affordable way to safeguard yourself from the hassle and expense of losing or damaging your car keys. It gives you peace of mind and saves you from unnecessary trouble.


Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information

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