One minute you're unlocking the car. The next, the keys are nowhere to be found.
Whether they've taken up residence under the sofa or vanished entirely, you can usually get a new set without the original. And depending on how you go about it, your car insurance might even help cover the cost.
Here's how to get sorted.
I've lost my keys. How do I get a replacement set?
There are a few ways to get a replacement. What works best for you will depend on your car and how quickly you need a new set.
Let's have a look at your options:
Call an auto locksmith
Losing your keys is stressful enough - the last thing you need is a faff trying to figure out what to do next. A good auto locksmith can cut and reprogram a new key for you, even if the original is long gone.
Some locksmiths only work with certain makes and models, so it's worth shopping around for quotes first.
If they've got the right blank key for your car, it could be quicker and cheaper than going through the dealership.
Many also offer mobile services, so they'll come to you - cutting and programming a new key or fob on the spot. If your old key's been stolen, they can deprogram it too and sort out any damaged locks while they're at it.
Buy replacement car keys from the dealership
This is usually the most expensive and time-consuming route. Dealerships often don't get themselves. They send off for it - which means you'll probably need to travel to them and wait longer than you would with a locksmith.
Use your vehicle breakdown service
You may end up facing a lengthy wait or find that they don’t have the correct car key cutting equipment. But if you have breakdown cover that includes cover for replacement keys, it's worth speaking to them.
Garage
Local garages can be hit and miss. Some might have the equipment to programme a new key, but many won't. Still, if you've got one nearby, it's worth giving them a call to check what they offer.
How much do replacement car keys cost?
According to Checkatrade, the average cost to replace a car key is £240.
The actual cost – as well as how long it takes to replace the key – depends on:
- The model of the car
- What type of key you need
Luxury models and high-tech keys tend to cost more. And if your car needs a fob or remote, expect that to bump up the price up too. It's worth getting a few quotes before committing, so you know what to expect for your car and your budget.
What do I need to get a replacement key?
If you use an auto locksmith, usually you need to provide:
- A form of ID, for example your driving licence
- Your car’s make and model
- Your car’s vehicle identification number (VIN)
- Your V5C logbook to prove you own the car
How can I get my VIN and V5C without my keys?
You can find your VIN stamped near the bottom of your windscreen, so you don't need to get into the car to find it.
If your logbook is locked in the car, try to find any other proof that you own the car. Explain the situation to the locksmith - some might be able to help without having the logbook immediately available.
Otherwise, you might have to apply for a replacement logbook to prove you own the car. It costs £25 to replace your logbook and takes around 5 working days if you apply online. For more information, read our guide to replacing your V5C.
When you get your logbook, it's best to keep it in a secure place that's not your car.
Can I claim on my car insurance for replacement keys?
If your car insurance policy has key cover included, yes you can. If your policy has key insurance, it'll usually let you claim for £500-£1000 for replacement keys, depending on your level of cover.
Check your policy documents to see if key cover is included. Depending on the policy:
- You may have to pay an excess
- Claiming for lost keys could impact your no-claims bonus
- You may have to have your car's locks changed
Contact your insurer to see what your options are.
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