0161 603 2140

 Key Insurance

Contact Us

What is Key Insurance?

It has happened to us all at some point. We lose or mislay our car keys or house keys at the most inconvenient of times. Losing keys – or even worse having them stolen- is a real cause for concern. However, with one of our key cover insurance policies, help is just a phone call away.

Our policy will provide access to a nationwide network of locksmiths via our emergency helpline. They will make sure your customers can access their car or home and provide them with peace of mind.

What do we Cover?

We cover all of a customer’s house and car keys in the event that they are irretrievably lost or stolen during the policy period meaning a customer cannot gain access to their home or vehicle. We can cover all a customer’s keys under one policy or they can buy a policy for house or motor keys separately.

Points to Consider

Our car key insurance policy gives access to a nationwide network of auto locksmiths operating 24 hours every day of the year to help your customers gain access to their vehicle and get them moving again.

Replacement keys for today’s ever more sophisticated vehicles can cost well over £200. If customers do decide to claim for lost or stolen keys on a comprehensive motor policy, it may affect the no claim bonus or lead to an increased renewal premium.

Comprehensive motor insurance policies in many cases will not cover keys that are lost or mislaid. Others will cover them but only if they are stolen and not lost. Some will cover keys only if they are stolen from a vehicle. With all this uncertainty about cover for lost and stolen car keys, it makes sense to be sure and to take out a policy specifically designed to provide cover for lost and stolen car keys whatever the circumstances

Similarly, some home insurance policies will cover loss or theft of house keys for an additional premium payment but there is no standard across the market when it comes to cover for house keys. Some insurers will not cover them at all, while others will cover them if they are stolen but not lost. As with all policies, customers need to check the small print to make sure that lost or stolen house keys are covered under their main home insurance policy.

If customers share housekeys with family or friends and they lose them – will their household insurance policy cover that eventuality and pay for the replacement of locks? Our policy covers lost, or stolen house keys and will respond however or whoever loses the keys. Our primary concern is to get people back into their homes and secure their property.

Do your customers have a large excess under their household policy? If so, they may well have to contribute to a claim for lost and stolen house keys. Under our stand-alone policy if house keys are lost or stolen there is no excess if you make a claim.

We want your customers to be secure in the knowledge that if the worst happens and they lose or have their house keys or car keys stolen then our policy will respond 24 hours every day of the year

Why Choose Financial & Legal?

We provide an emergency help number, and some of our policies will provide a courtesy car if we are unable to get your car moving again. This is an important feature as many keys now have to be provided by the vehicle manufacturer. Our policy provides peace of mind at a fair price. If motor car keys are lost or stolen our policy will get the customer on the road again.

Our policy will also pay for a change to all the locks in the house – irrespective of whether the house keys are lost or stolen.

Our house key policy gives peace of mind for a small premium – usually, considerably less than a household policy excess would be.

It will also take the guesswork out of whether keys are covered under a main household policy. We have helped many policyholders over the years and given peace of mind to many more.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

ampersandarrow_downAsset 1Asset 2briefcasecarclosecoinscrossemailfamilyfast-forwardhandouthandshakehome-insurancelandlordlinkmedical-clipboardmortgagemotornetworkphoneplayplus-symbolrewindscalessharesignaturesocial_facebooksocial_instagramAsset 1social_linkedinsocial_pinterestlogo-twitter-glyph-32social_youtubesolutionsurveytickwheel