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Protect your keys

From as little as £12 per year.

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Why buy key insurance?

Losing your keys can be a stressful, time-consuming and expensive experience. Arnold Clark Keycare gives you the peace of mind of knowing you’re protected against lost and stolen keys and related costs.

Our dedicated claims team is here to help 24 hours a day and will get you back on the road or in your house as quickly and easily as possible.

Choose the cover you need

Our products offer two different levels of key cover, meaning you can select what’s best for you:

Keycare 1500 Keycare recovery and assistance
Claim limit: £1500 per fob Claim limit: Recovery only
Policy duration: 12 months Policy duration: 12 months
1 fob: £19 1 fob: £12
2 fobs: £29 2 fobs: £18
View policy wording View policy wording

What's included

Cover Keycare 1500 Keycare recovery and assistance
All keys attached to the fob
Lost and stolen keys
Replacement locks
Call out charges*
Locksmith charges*
Up to 3 days vehicle hire**
Cost of onward transport
Nationwide network of locksmiths
Cover throughout EU*
Emergency helpline
No excess to pay
£10 reward for finder

*Up to the selected annual cover limit. **If your vehicle is unusable as a result of lost or stolen keys. Please note Keycare recovery and assistance policy does not include any insurance cover.

The benefits of protecting your keys


Keycare pays the finder of your keys a £10 reward


Access to a nationwide network of locksmiths


All keys attached to the Keycare fob are covered anywhere in the EU

Broken window

No excess to pay


Your no claims discount on your main home and your motor policy are not affected

24 hour helpline

Emergency helpline, 24 hours a day, 365 days a year

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In partnership with

Keycare - in safe hands


How do I make a claim?

If an insured key has been lost or stolen you must report it to the police immediately and get a crime reference number. Keycare cannot deal with your claim for stolen keys until you report the theft and confirm the crime reference number to us.

You can make a claim to Keycare by calling 0345 075 6189 Monday to Friday 8am to 8pm or Saturday 9am to 3pm.

If you require emergency assistance you can call the 24 hour emergency assistance helpline on 0345 075 6189.

How many times can I make a claim?

You may make more than one claim within the period of insurance. Please note the total sum payable in each period of insurance cannot exceed the cover limit.

Your period of insurance and cover limit are shown in your policy schedule

Do I need to pay the finder the reward?

No. Keycare will send the reward to the person who found your keys. If the finder prefers, we can pay the reward to charity.

How many keys can I attach to my key fob?

As many as you choose bearing in mind the level of insurance cover. Cover is only provided for keys that belong to you. We would advise you not to keep all your keys on one fob. You can buy further key fobs to protect your additional sets of keys or the keys of family members living at the same address as you.

How are my keys returned?

Keycare has a number of different ways of getting keys back to you depending on your circumstances. We work with you to find the best solution for returning them.

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Looking for something different?

Not quite found what you’re looking for? We’ve got a range of other car insurance products to protect what’s important to you.