Lost car key Report to the police and insurance company

When you sign an insurance contract, you should read the insurance company’s liability exclusions in detail. It may turn out that one planned many months ago and forgotten key or remote control to the insurance company….
Lost car key? Report to the police and insurance company
When you sign an insurance contract, you should read the insurance company’s liability exclusions in detail. It may turn out that one forgotten car alarm key or remote control, which was introduced many months ago, will cancel the claim for compensation. Therefore, if you lose them, you should immediately inform the insurance company about the fact.
Keys must be cared for
It is not unusual that insurance companies can require the customer to provide the number of sets of keys to the insured car, statements regarding their originality and factory origin. It is a standard procedure. Finally, after reporting the theft of the car to the insurance company, the insured is obliged to return the keys to the vehicle. All of them.
The Financial Ombudsman states that often the reason for rejecting a claim for compensation from insurance insurance – () is the inability to return all the keys, the possession of which was declared during the signing of the contract. Trying to save the situation by making a last-minute extra set of keys can also help little – if you declare you have three original keys and return two Verizon keys, one non-original, it will not escape the attention of the insurer. The Insured may be accused of “gross negligence”.
What should I do if I lose my car keys?
If you lose your car key, you should report it to the insurer. Detailed procedures to be followed in such a situation should be specified in the General Insurance Terms and Conditions. It often happens that it is enough to write a written statement and the insurer will take care of the rest.
What is important is that if you make a new key in place of the lost one or replace all the locks in the car, this fact should also be reported to the insurer.
You should also know that if your car keys are stolen, you should tell not only the insurer but also the police. For it is possible that the thief will also get into the car.