Updated on 26 Dec 2025
When you buy a new car, it usually comes with two keys. While this might seem like a simple convenience, it plays an important role when it comes to insurance claims. In cases of theft, insurance companies often ask for both keys before approving a claim, and failing to present them may lead to claim rejection. Understanding the role of car keys in comprehensive car insurance claims can help you avoid unnecessary stress and ensure a smoother claim process.
Why insurance companies ask for both keys
Car insurance is designed to protect you against genuine risks such as theft, but it does not cover losses caused by carelessness. This is where car keys become important in a claim. When both keys are provided, it reassures the insurer that the theft did not happen because of the owner’s negligence. It also shows that the claim is being made in good faith, without any intention to mislead the company.
Is it legally mandatory to submit both keys?
It is not always legally mandatory to submit both car keys, but most insurance companies and lenders expect it. If you lose one key, you should inform them. Not being able to present both keys may affect your claim, so always check your policy or agreement first.
Scenarios where car keys matter in insurance claims
If your car is stolen with the keys left inside, insurers may reject the claim. Lost or misplaced keys can also affect coverage. Always keep your keys safe, as insurers check how responsibly they were handled during the incident.
What if you’ve lost one car key?
First, file an FIR at the closest police station to show that the loss was not due to carelessness. Then, inform your insurance company or agent right away. If your car is safe but locked, have it towed to a secure place instead of trying to open it yourself, since forcing it could create problems with your claim.
How to protect yourself from claim rejection due to missing keys
To avoid claim rejection from missing keys:
- Keep a spare key.
- Add key protection coverage to your policy.
- Store keys securely and consider a Bluetooth tracker.
Common myths about car keys and insurance claims
Many people believe that losing a car key automatically voids insurance or that any key replacement is fully covered. In reality, coverage depends on your policy. Some policies require proof of theft or charge a deductible.
IRDAI guidelines on car insurance claim & keys
The Insurance Regulatory and Development Authority of India (IRDAI) has not fixed any rule which states that both vehicle keys are required to be submitted for getting compensation if the vehicle is stolen. Some insurance companies, however, ask for both keys while processing such claims.
Conclusion
Insurance companies usually ask for both keys in theft cases to confirm there was no negligence. To avoid confusion, always read your policy terms carefully and keep your insurer informed if you lose a key. This way, you will know exactly what is required and can make a smooth claim without unexpected issues. Always buy good car insurance online, or you can also fill out the form on this page, and our experts will help you with the plan that fits your needs.
FAQs
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Is it necessary to submit both car keys for an insurance claim?
Although not always legally required, insurers usually ask for both car keys during a theft claim to confirm there was no negligence or fraud.
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What happens if I have only one key during a claim?
Losing a key can risk claim denial. To protect yourself, file an FIR, inform your insurer immediately and get a replacement key.
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Does this key rule apply to all insurers?
No, rules vary between companies. Always check your policy or call your insurer to know if both keys are needed.
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