The key is pivotal for manual or electronic car operation. While car insurance is common, insuring keys is rare. Replacement ease varies; manual keys are simple, but remote-operated keys pose challenges. Losing a key, especially with keyless entry, demands strategic solutions to regain access. This blog presents solutions to an unlikely but potentially nerve-wracking scenario—what to do if you lose your car keys.
Things to do if your key is lost
In case you are unable to find your car keys, here are some things you can do-
- Thoroughly search for the keys:
Check every nook and cranny. Start by searching all places before jumping to conclusions. Sometimes, keys are misplaced in one room while we search in another.
- Notify your insurance company:
Immediately inform your insurance company in writing about the missing car keys. This step is crucial, especially considering the increased risk of vehicle theft when a key is lost. Report it to avoid claim rejection if theft occurs.
- Use spare keys:
Spare keys are a lifesaver during a crisis. When the main key goes missing, they come to the rescue. If you’re away from home, consider moving the car to a location and retrieving spare keys to gain access to it.
If you need a spare, carefully consider what type of replacement key you require. Whether it is a transponder key, key with FOB, or smart key, make an informed decision to avoid future occurrences.
- Avoid using other keys:
Using non-original keys may void the car manufacturer’s warranty. While locksmiths’ keys might temporarily unlock the car, it’s not advisable due to the theft risk. Improper use of unauthorised keys can also damage the car’s lock.
- File a police report:
It is essential to inform the police and file a First Information Report (FIR) in case of lost vehicle keys. Be sure to report the incident to the police, noting the time and location. Share the FIR with your four-wheeler insurance company if you need to make any theft-related claims.
Adhere to these steps to adeptly address the challenges accompanying the loss of car keys and mitigate risks associated with such incidents.
Types of car keys
Understanding your car key type is essential, as it determines the replacement process and cost of replacement. Here are five common types:
- Mechanical keys:
- These are traditional keys used in older vehicles without electronic components.
- Replacement: Easily duplicated by locksmiths due to their simple design.
- Transponder keys:
- They are equipped with a microchip that communicates with the vehicle's Electronic Control Unit (ECU) to start the engine.
- Replacement: Requires programming; a specialised locksmith or dealership can assist.
- Remote keys:
- They are mechanical keys with a remote control to lock/unlock doors.
- Replacement: Involves both key cutting and remote programming.
- Flip or switchblade keys:
- The keys can be folded into a fob, offering a compact design.
- Replacement: Similar to transponder keys, both cutting and programming are needed.
- Smart keys:
- They allow keyless entry and engine start, commonly used in modern vehicles.
- Replacement: Must be obtained and programmed through the dealership.
What to do when there is no spare set?
If you've lost your only car key and don't have a spare, follow these steps:
- Contact a professional locksmith: Many locksmiths specialise in car key replacement and can create a new key on-site. Ensure they have experience with your specific key type.
- Reach out to your dealership: Dealerships can provide a replacement key; however, this option may be more time-consuming and expensive.
- Check your insurance policy: Review your car insurance policy to see if it includes key replacement coverage. If so, your insurer may cover part or all of the replacement cost.
- Consider roadside assistance services: If you have a roadside assistance plan, they might offer services for lost or broken car keys, including towing your vehicle to a safe location.
Conclusion
Losing your car keys can be quite stressful. Approaching it in a manner often leads to resolution. From retracing your steps to seeking assistance from a locksmith, these steps will help you regain control and get back on the road quickly.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and 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.