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Key Protect Insurance

Key Protect Insurance

This is a key insurance policy designed to protect all of your keys. We offer key/s insurance cover for the loss or theft of the keys for the property you occupy whilst studying, it also provides additional cover for car keys; including cover if you lock your keys in that property or vehicle and require a locksmith to gain entry.

What is insured?

  • Up to £1,500 per claim (including call-out fees, labour costs and, where necessary, the cost of replacement parts and materials) for the repair or replacement of keys and reconfiguration of locks.
  • Up to £100 per claim (including call-out fees, labour costs and, where necessary, the cost of replacement parts and materials) to retrieve keys which are locked in your principal home or vehicle.
  • Up to £40 per day for a maximum three days’ car hire, or up to £250 for alternative transport costs.
  • Overnight accommodation costs up to £250.

Key Repairs, Replacement and Retrieval

Following loss, theft or damage to your keys, the insurer will pay the costsincurred by an authorised repairer to:

  • repair your keys; or
  • reconfigure locks where the loss of keys presents a security risk; or
  • replace keys and/or locks (including any integral alarm or immobiliser fitted by the manufacturer) where reprogramming or repair is not possible; or
  • retrieve your keys from inside your principal home or vehicle where the keys are locked inside your principal home or vehicle and there is no immediate access to a spare set.

Car Hire or Alternative Transport

Following a claim we have agreed to pay under insured incident Key Repairs,Replacement and Retrieval, and whilst repairs are being completed, theinsurer will pay the costs of:

  • hiring an equivalent vehicle type to your vehicle for up to three days; or
  • alternative transport for you to continue your journey.

Overnight Accommodation

Following a claim we have agreed to pay under insured incident Key Repairs,Replacement and Retrieval, and whilst repairs are being completed, theinsurer will pay the costs of:

  • one night’s alternative accommodation for you and your passengers on aroom-only basis.

Documents

It’s important that you read our Policy Documents to make sure you understand exactly what’s covered.

You can find out more about Key Protect Insurance in the documents below which you will also receive when you purchase our keys insurance.

Policies purchased after 28/06/2023:

Adobe PDF Policy Wording
Adobe PDF Policy IPID†
† Insurance Product Information Document.

Claims

What to do if you need to make a claim

In the event your insured keys are lost, stolen or accidentally broken, or have been locked inside your principal home or vehicle, you should contact our dedicated helpline straightaway on 01603 567255.

This helpline is open 24 hours a day, 365 days a year. All calls are recorded for training purposes. Alternatively, you can notify claims by email to: claims@soterps.com.

Please have ready your policy number or the name of the organisation who sold you this insurance.

Please note the following important information:

  1. Be ready to provide the full address and postcode of your home and location of your vehicle and its registration number and supply as much information as possible about what has happened which will help us to give the best possible advice and decide on the most appropriate form of assistance. If we agree to cover your claim, we will always appoint an authorised repairer.
  2. Under no circumstances should you instruct a locksmith or incur any other costs before we have agreed to help as the insurer will not pay any costs incurred without our agreement.
  3. The authorised repairer will always aim to carry out repairs within the timescales given to you but this may not always be possible and weather or traffic conditions or excessive demand could adversely affect these timescales. We will always let you know of any delays as soon as possible.
  4. If the cost of repairs or other forms of assistance are likely to exceed the maximum amount the insurer will pay for each insured incident (see Meaning of words and terms – limit of indemnity), the authorised repairer can continue to provide assistance, subject to your agreement, but you will be responsible for any additional costs.
  5. We will not provide cover for any loss, theft or accidental damage to your insured keys (including where your insured keys are locked inside your principal home or vehicle) where this event occurred or was known about before the start date of this insurance or within the first ten days of the start date of this insurance, or is reported to us more than 30 days after the date you first knew about the claim.
  6. If we are unable to cover your claim then, subject to the extent of work required, we may still be able to arrange for an authorised repairer to help but this will be under a separate agreement between you and the authorised repairer and all costs will be your responsibility.

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