WILL THE LOSS OF THE KEYS COVER CAR INSURANCE?

WILL THE LOSS OF THE KEYS COVER CAR INSURANCE?

I have two good news about the loss of the car keys. The first is that many car insurance coverage in case of loss or breakage of keys. The second good news is that some insurance from home also, in certain circumstances. Although, like everything in insurance, this has its "buts". It will be that they are not as good news as it seemed.

Not having the car keys might be two circumstances: you do not have them or have you been broken. And if you do not have them can be for two reasons: good for you've lost them, well because they have removed you the. 

This differentiation is important in order to claim insurance in some cases, but not in all. At the end, and after all, if you have coverage for loss of keys gives you've lost them or that they have removed the you. However, if the difference between theft and theft coverage, the situation changes a lot.

COVERAGE FOR LOSS OF KEYS IN CAR INSURANCE

Insurance offering coverage of loss or breakage of keys tend to include it within the coverage of travel assistance. This covers the car moving in crane to a workshop. However, this does not mean that the replacement of keys is included.

Therefore, when you search for this coverage, you have to check if the insurance covers the replacement key and under what circumstances. Keep in mind that if you lose the key be interested to change the whole lock and the frequency of the remote control, especially if they have stolen you keys or if doubts has been a theft or a dismissal. If they were the keys to House, would not it change everything?

As well as the lost, it is likely that do not the insurance cover you. In addition, you have to review the conditional policy to see under what conditions the change is covered for theft of keys and if you only request a new key or full replacement of the lock is covered.

Finally, note that this type of coverage is usually available in all-risk insurance and that, if given part and the insurance runs with costs.

COVERAGE FOR LOSS OF CAR HOME INSURANCE

Another option is to give part to the loss of the keys home insurance if you have contracted theft coverage and, where appropriate, theft. Some home policies also include coverage for theft under limited conditions, and may also include the robbery (robbery with violence) outside the home.

I.e., if they have stolen you the keys of the car in a robbery or theft (if covered) or you have docked in the street (which not stolen) can claim home insurance.

Another thing is that you ask for proof and what you offer as compensation. Once again, is not the same request a duplicate of the key and remote control the House that change throughout the system.