Why You Need Key Replacement Cover: Protect Your Car Keys
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UAE car owners often focus on major insurance coverage issues, such as accidents and liability. However, many vehicle owners overlook one aspect: car key replacement insurance. With modern car keys becoming increasingly sophisticated and expensive, losing or damaging your car key can lead to significant unexpected costs.
This is why insurance companies offer car key insurance add-ons. By adding this option to your comprehensive or third-party policy, you can ensure no one will take advantage of your predicament by charging you an unreasonable amount. Even if they do, you won’t be the one paying for it! Here is what you need to know about this add-on.
What is Car Key Replacement Insurance?
Car key replacement insurance is a specialized coverage designed to protect you against the costs associated with lost, stolen, or damaged car keys. Modern vehicle keys are no longer simple metal pieces; they're sophisticated electronic devices that can be quite costly to replace. This type of key auto insurance coverage ensures you won't have to pay for these hefty replacements out of your pocket.
Benefits of Car Key Insurance
Car key replacement insurance cover is often overlooked, but it can cut your losses when least expeced. Here are the main reasons why you should get car key insurance add-on:
Financial Protection Against Key Loss
The primary advantage of car key replacement insurance is its financial protection. Depending on your vehicle's make and model, modern key fobs with built-in security features can cost anywhere from AED 500 to AED 3,000 to replace. Proper car key insurance ensures these unexpected expenses don't burden your budget.
Convenience and Peace of Mind
Lost car key insurance cover provides more than just financial protection; it also offers peace of mind. You won't have to worry about the replacement logistics if you lose your keys or they get stolen. Most policies include services like emergency assistance and temporary transportation while your new keys are being arranged.
What is Included in Car Key Replacement Insurance?
Like any other insurance add-ons, certain things are covered, and others aren’t. For instance, while car key replacement insurance can be claimed in all the cases below, you can only file a claim a certain number of times in a year. So, being vigilant and always safeguarding your car keys is important.
Here are what is covered under such an add-on:
Coverage for Key Replacement
A comprehensive auto insurance with car key replacement insurance policy typically covers the following:
Service | Description |
Replacement of Lost or Stolen Keys | Quickly replace car keys if lost or stolen, ensuring you regain access to your vehicle promptly. |
Repair of Damaged Key Fobs | Fix broken or malfunctioning key fobs to restore functionality, avoiding the need for a full replacement. |
Reprogramming of Electronic Key Components | Update or reprogram electronic key components to ensure seamless integration with your vehicle’s security system. |
Lock Replacement (if necessary) | Replace car locks for added security, especially in cases of theft or extensive damage. |
Emergency Locksmith Services | Access professional help 24/7 to unlock your vehicle or resolve urgent lock and key issues, anytime and anywhere. |
Additional Services
Many key auto insurance policies also include extra benefits such as:
| 24/7 emergency assistance | Enjoy round-the-clock support to address key-related emergencies, ensuring you're never stranded when you need help |
| Temporary transportation arrangements | While your car key issues are being resolved, you can take advantage of alternative transportation options, helping you stay on the move without interruption |
| Coverage for multiple sets | Protect all keys for your vehicle, ensuring replacements or repairs are covered regardless of which set is lost or damaged |
| Protection against theft and attempted theft | This adds an extra layer of security and protects you against expenses resulting from stolen keys or damages caused by attempted theft |
| Coverage for mechanical key failures | You can get financial protection for repairs or replacements when traditional mechanical keys fail due to wear and tear or other issues |
Compare Car Key Replacement Quotes with Lookinsure
Finding the right car key insurance policy is easy with Lookinsure. All you need to do is follow the normal purchase procedure, which includes:
- Visit Lookinsure's website and select "Get Instant Quotes."
- Enter your car’s plate number and verify your identity using UAE Pass or Emirates ID.
- Provide driving history details and compare insurance UAE quotes to choose the best policy.
- Customize your policy, enter contact details, and finalize your purchase with your preferred payment method.
Before making a payment, you’ll be redirected to a page where you can select different add-ons to make your policy more inclusive. You can find car key replacement insurance here and add it to your policy.
Another thing we suggest you compare while looking for car insurance Dubai online is payment plans. On Lookinsure, you have car insurance installment options, which means you can buy your favorite quote and pay in 4 zero-interest installments.
How to Claim Car Key Replacement Insurance Add-on
Filing a key replacement claim is similar to filing any other insurance claim and involves following the steps outlined below:
- Contact your insurance provider immediately after losing your keys
- File a police report if your keys were stolen
- Provide necessary documentation, including:
- Your policy details
- Vehicle registration information
- Police report (if applicable)
- Personal identification
- Choose an authorized service center or locksmith
- Complete the claims process as directed by your insurer
Remember to keep all receipts and documentation related to your key replacement for claim processing.
Car key replacement insurance is an essential consideration for vehicle owners in the UAE. With the rising costs of modern car keys and their sophisticated technology, having proper coverage can save you from significant financial stress. Through Lookinsure, you can easily find and compare different car key insurance policies to ensure you're protected against unexpected key-related expenses.
Frequently Asked Questions
Basic Key FOB (Non-Transponder): AED 150–400 - Simple key fobs without advanced features.
Transponder Key FOB: AED 400–800 - Includes a chip communicating with the car’s immobilizer system.
Smart Key FOB (Push-to-Start): AED 800–2,500+ - Advanced key fobs with features like keyless entry, push-to-start, and remote start.
Luxury/High-End Car Key FOB: AED 2,500–5,000+ - For premium brands like Mercedes, BMW, Audi, or Tesla, which often require specialized programming.
