Overview:
Key protection cover provides insurance tailored to assist with expenses related to lost, stolen, or damaged keys, and even the cost of changing locks. While some insurance policies might already have a degree of key protection built in, it's also offered as an optional add-on.
Coverage Details:
- Coverage Limit: Offers up to £1,500.
- Claims: Accepts unlimited claims within the coverage limit.
- Coverage Breakdown: Comprises 6 specific areas of coverage.
- Key Protection: Encompasses all types of keys including house, car, and garage.
- Excess: Absolutely no excess charges.
- Additional Feature: Comes with a Fobless attribute.
UK Key Protection:
- Locksmith Services: Charges for keys snapped in locks are capped at £50.
- Lock Replacements: Available in case of potential security threats.
- Key Replacements: Up to 2 keys for each lock.
- Car Rentals: Limited to cars up to 1600cc, 3 days, and £40/day.
- Transportation: Daily costs up to £75.
- Accommodation: Maximum of £120 per insurance-related incident.
- Insurance Administration: Backed by Zenith and claims managed by Direct Group.
EU Key Protection:
- Same as UK Key Protection, with two exceptions:
- Transportation: Up to £75 per each claim.
- Offering Entity: Exclusively through Astrenska Limited.
Exclusions (Non-Coverage):
- Exceeding £1,500 during a single insurance term.
- The initial 2 days following the policy's activation (Only for UK Key).
- Costs of car rentals after the first 3 days.
- Regular wear and tear.
- Claims when keys were not properly looked after by the policyholder.
- Theft or loss not communicated to the police within 48 hours, lacking an official incident report.
- Claims delayed beyond 30 days of the incident.
- Incidents involving keys lost, damaged, or stolen by someone outside of the insured party or their direct family.