Lost car keys can affect your car insurance quote
Everyone has lost their car keys at one stage or another, but did you know that to replace your keys can cost hundreds of pounds? If you make a claim for them, it can seriously affect your car insurance quote and with the advance of car key technology, more and more motorists are getting locked out with no cheap or easy way to get back in.
Since the invention of the electronic key in the late '90s, car keys have more than doubled in price to replace as immobilisers, shielded locks and sophisticated alarms come as standard. Although this can initially help lower your car insurance, if your car keys get stolen or dropped down the toilet, making a claim for a replacement key can push up your car insurance premium.
In May 2009 it cost around £200 to design, create and programme a new key with some costing even more. These prices look set to rise even further with advances in technology being made all the time, making car keys even more expensive to replace. With most car owners' voluntary excess around the region of £200, many choose to fork out the cost of replacement keys themselves rather than risk losing their no claims bonus discount and paying for higher car insurance.
As well as the cost of a replacement, new car keys can also be hard to acquire. Most keys are only available from the car dealer so if you lose your car keys after opening hours, you could be left stranded and end up paying for a rental car whilst waiting for your new key. Therefore it is really important to keep your car keys safe.
Keep your spare keys safe
Spare keys are commonly, but unwisely, left in hand-bags, car glove compartments and even on the same key ring as the main set of car keys. If you are prone to losing your keys, follow our simple advice to avoid paying expensive pay outs on replacements.
- Don't leave car keys out on display even when at home - someone is bound to move them and they are an easy target for opportunist thieves.
- Make a habit of leaving your keys in the same place when you get in, that way you'll always know where they are.
- Try and keep car keys in a zipped pocket of a bag rather than in a trouser or coat pocket when you're out and about.
- Keep spare keys in a safe place away from your car and main set of keys.
Cheap car insurance quote from duck2water
With great motor insurance prices from duck2water, at least you don't have to worry about the cost of insuring your car. As a web based company we can afford to keep our costs down to ensure you get the best car insurance quote.
Call us now on 0800 954 9756 or click on the quote button to see if we can offer you a competitive quote. Have a look today to see how much you can save.
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