LOST KEY INSURANCE
What is key protection?
Key Protection is an optional add-on that you can purchase alongside a Homeprotect Buildings or Contents insurance policy. It provides cover for your home, vehicle or office keys (including security safe keys and any immobiliser, infrared handset or alarm that is integral to those keys) if they are lost, stolen or accidentally damaged.
The policy covers the cost of replacing lost or stolen keys, new locks if a security risk arises, locksmith callout charges, and more. There are limits per incident and per year, as well as conditions you’ll need to meet when making a claim.
What’s covered?
| Feature | Cover | Notes |
| Annual claims limit | Up to £1,500 | Maximum across all claims per year |
| Locksmith charges | ✓ | When keys are lost, stolen or accidentally damaged |
| New locks | ✓ | Only if a Security Risk has arisen, as assessed by Coplus |
| Replacement keys | ✓ | Includes vehicle, home, and office keys |
| Keys locked inside property or vehicle | Up to £50 | Reimbursed after Coplus validate the claim |
| Keys broken in the lock | Up to £50 | Applies if keys are unusable due to breakage in the lock |
| Vehicle hire | Up to £40/day (max 3 days) | If your car is unusable due to key loss, theft or damage |
| Onward transport costs | Up to £100/day (max 3 days) | If you’re stranded and vehicle access isn’t possible |
What’s Not Covered?
Certain circumstances are excluded from cover. Key exclusions include:
- Any claim exceeding the £1,500 total annual limit
- Keys lost or stolen for less than 3 days, unless Coplus agrees undue hardship would otherwise occur
- Claims made more than 30 days after the incident
- Stolen keys not reported to the police and without a crime reference number
- Deliberate or criminal acts
- Claims made without valid receipts or pre-authorisation by Coplus
- Replacement of locks or keys to a higher specification than those lost
- Costs from failing to attend a locksmith appointment or using your own contractor
- Duplicate keys already available, unless hardship or significant cost can be shown
- General wear and tear or maintenance of locks/keys
How to Make a Claim
To claim, contact Coplus (the claims administrator for this cover):
- Email: [email protected]
- Phone: 0333 241 9574 (24/7 claims line)
You must report claims within 30 days. If the keys were stolen, you must report it to the police and obtain a crime reference number.
Always quote ‘Homeprotect’ when contacting Coplus.
How to Protect Your Keys
To reduce your risk of needing to claim, Coplus recommends:
- Don’t label your keys with your name or address
- Never leave keys unattended or hide them in obvious places
- Keep duplicate keys on a separate keyring
- Don’t leave keys near windows or doors
- Always lock your car, even briefly
Taking these steps helps prevent theft and may help with your claim.
key protection key documents
If you’re deciding on whether to buy key protection cover with us get full details of what’s covered and what’s not below.
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Your Questions Answered
If you’ve already been reimbursed, you should notify Coplus. Depending on the circumstances, they may ask you to return the payment or assist with next steps.
Yes. Claims arising within the first 48 hours of the policy are not covered unless you had comparable cover in place immediately before.
Yes. You must provide receipts or proof of payment for any costs you are claiming.
Yes, immediate family members permanently residing at your home are covered, including named drivers for insured vehicles.
No. Cover only applies within the United Kingdom.
This cover is underwritten by Astrenska Insurance Limited and administered by Coplus, on behalf of Homeprotect.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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