What to do if your car key is stolen?

If your car key is stolen, that is of course annoying enough. You probably don't experience this very often. As a result, you will have many questions. What should you do when this happens? How do you get new car keys? Is this covered by your car insurance? Does it affect your no-claims bonus position and years of indemnity?

Car key stolen

If your car key is stolen, always report it to the police. You can also ask the car dealer where you bought the car to program the stolen key(s). This will prevent thieves from taking your car. Do you have a spare key and is it not possible to move the car? Then it is wise to call your car dealer or the ANWB. They can make sure that the car can be opened and possibly towed to the dealer.

The compensation depends on the chosen coverage on your car insurance. When you have a car insurance with WA-coverage the theft of your car key(s) will not be compensated. A WA-restricted cascoor all-risk coverage will usually provide coverage for new keys and replacing the locks. Usually, however, a maximum reimbursement applies and you first pay an excess. The amount of the excess can be found in the policy conditions. is not at the expense of your claim-free years and no-claim discount.
It is possible that, in case of theft of car key(s), an insurer will demand that the locks have to be replaced as well. If you fail to do so, the car will no longer be insured from that moment on.