Key Insurance
Cover for the keys customers now expect to be protected
Key Insurance has become an established add-on product across both motor and home insurance, providing customers with valuable protection when their keys are lost, stolen or broken. As keys have become increasingly sophisticated and expensive to replace, losing or damaging one can result in an unexpected and costly expense. This product provides cover for customers’ keys, offering added reassurance for both home and vehicle keys.
Cover for a Problem That's Only Getting More Expensive
Modern keys aren't the simple, cheap items they used to be, and losing one can mean far more than the cost of a cut and copy. Key Insurance looks after customers if their keys are lost, stolen, or broken, covering the practical costs that come with sorting the problem out.
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Any Number of Claims
Customers can claim as many times as they need to, up to the limit of their policy.
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Covers Home and Vehicle Keys
Cover isn't limited to one or the other. Customers are protected whether it's their home keys or their vehicle keys that are lost, stolen, or broken.
what the policy covers
The Costs That Follow a Lost or Broken Key
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Lock outs
Cover for lock outs of the policyholder's home or vehicle.
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Immobiliser reprogramming
Cover for the cost of reprogramming a vehicle's immobiliser if keys are lost, stolen, or broken.
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Onward travel
Vehicle hire and onward travel expenses are included if a customer is unable to access their vehicle.
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Locksmith costs
Cover for the cost of a locksmith call-out needed to resolve the issue.
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Key broken in lock or ignition
Cover towards the cost of removing and replacing a key broken in the lock or ignition.
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Replacement locks
If keys are lost or stolen and the home or vehicle is no longer secure, the cost of changing the locks is covered.
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Wear and tear
A contribution towards repairing, replacing or reprogramming a key that has stopped working through wear and tear or age.
who it’s for
Built for Homeowners, Tenants and Drivers
Key Insurance is designed to flex across the situations where a lost, stolen or broken key causes real disruption.
Homeowners
Customers can protect the keys to their own home against loss, theft, or damage.
Drivers
The same protection extends to vehicle keys, including the cost of immobiliser reprogramming where needed.
Why choose Coplus
Trusted Property Ancillary Partner
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An established, trusted category
Key Insurance is one of the most established add-on products customers now expect with both motor and home insurance, making it a straightforward product for partners to introduce with confidence.
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Built to cover home and vehicle together
Rather than treating home and vehicle keys as separate risks, the product is designed to protect both under a single, straightforward policy.
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In-house claims management expertise
We manage Key Insurance claims from first contact through to resolution, using the same in-house teams behind our wider claims services, so the experience reflects well on your brand at every step.
Our range of property ancillary products
Related Property Products
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Car warranty
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Cosmetic Repair Insurance
Professional repair of the minor scrapes, scuffs and dents that everyday driving brings, damage that standard motor policies won’t cover.
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Gadget Insurance
Comprehensive cover for loss, theft and accidental damage of smartphones, tablets, laptops and other everyday gadgets.
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Helmets & Leathers Insurance
Covers the cost of replacing damaged helmets, leathers and protective riding equipment that standard motor policies often leave behind.
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Home Emergency Cover
Access to a qualified, approved tradesperson, day or night, when something goes wrong at home.
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Home Excess Protection
Covers the excess when a customer claims on their home insurance, for homeowners and tenants alike.
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Motor Accident Injury Protection
Financial compensation for death or serious injury following a road accident, for the driver and any passengers in the vehicle.
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Motor Excess Protection
Reimburses the excess customers pay when they make a claim, across cars, taxis, commercial vehicles and more.
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Replacement Vehicle Cover
A suitable replacement vehicle delivered anywhere in the UK, keeping customers on the road after an accident, theft or write-off.
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Tenant’s Liability
Protects tenants against the cost of accidental damage to their landlord’s property, including buildings, household goods and furniture.
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Tools in Transit Insurance
Covers theft or damage to tools and equipment while they’re loaded, carried or unloaded, keeping tradespeople on the road and...
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Tyre & Alloy Cover
Cover for tyre and alloy damage from potholes, kerbs and road hazards.
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Windscreen Insurance
Fast, hassle free cover for chip and crack repair or replacement.
Frequently asked questions
Key Insurance FAQs
What does Key Insurance cover?
It provides cover for lost, stolen, or broken keys, and keys locked inside a property or vehicle.
Does this cover both home and vehicle keys?
Yes. One policy covers all home, vehicle and office keys belonging to the insured, so customers with more than one vehicle don’t need a second policy.
Do customers need to keep a physical key fob for cover to apply?
No. Cover doesn’t depend on a key fob or tag being attached to the keys.
How many times can a customer claim?
As many times as needed, up to a total policy limit over the policy period.
Does the policy cover locksmith or garage costs, or just the key itself?
The policy covers costs for replacing the key including any locksmith charges, up to the level of indemnity on the policy.
What happens if a customer is locked out because of a lost or broken key?
Our claims team will arrange for a locksmith to attend and provide assistance to gain entry or provide a replacement key. The policy also provides cover for hire or travel expenses and onward transportation.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days