Key Insurance & Lock Cover

Lost keys cover can include help with lost or stolen keys and eligible locksmith charges, depending on the plan you choose. It may help if you need urgent support to access your home or secure the property after losing your house keys.

With Smart Cover, this is provided under the Security & Lock Keys benefit, with an unlimited annual claim limit and a per-claim limit of up to £500 on Essential or £1,000 on Premium, subject to policy terms, conditions, limits and exclusions.

Lost keys cover is included with the Smart Home Plus plan, from £12.90 a month. Smart Home Plus is the most complete home emergency plan and also covers boiler, heating, plumbing, electrics, drainage and pest infestation.

The other plans focus on different emergencies and don't include the Security & Lock Keys benefit, so check the comparison table before choosing.

Home emergency cover may include lost keys if your chosen plan includes security and lock key cover. This means you may be able to get help if your house keys are lost or stolen and you need locksmith assistance.

The exact support depends on your policy, the level of cover selected, and whether the issue meets the policy definition of an emergency. Check whether locksmith charges are included and whether any excess or per-claim limit applies.

Key cover insurance typically doesn't cover every lock or key-related issue, and exclusions depend on your policy wording. In general, non-emergency issues, routine maintenance, wear and tear, and anything specifically excluded may not be covered.

For example, a planned lock upgrade or general maintenance work wouldn't usually be treated the same way as an urgent lost or stolen keys situation. Read the policy documents so you know what's included, excluded, and what evidence may be needed to claim.

Key cover may be worth considering if you'd like support with eligible locksmith charges after losing your keys or having them stolen, and would prefer not to arrange emergency help entirely on your own.

Whether it's suitable depends on your home, your existing insurance, your budget and the level of cover you need. Compare what's included, the claim limit, any excess and the exclusions before deciding.

If your keys are stolen, treat your home's security as a priority, as whoever has them may also know or be able to find your address. Avoid leaving the property unsecured, and consider having the affected locks dealt with promptly.

Contact Smart Cover on 03333 449 559 so we can confirm your cover and arrange approved help, subject to policy terms, conditions and limits. If a crime has taken place, you may also wish to report it to the police.

Call our helpline on 03333 449 559 and explain what's happened. We'll check the situation against your plan, excess, limits and terms, then arrange an approved locksmith from our nationwide network to attend.

Avoid arranging your own locksmith before speaking to us, unless immediate action is needed for your safety or to secure your home.