Interesting Facts About Key Insurance Policies
It often happens that we lose our car keys or our house keys and then we start searching for it all over the place
. There is no problem if we can get it back, but the actual problem arises when we couldnt find it, and it is lost once and for all. So to avoid this situation to a great extent and also to minimise the troubles, what you can do is to have insurance for keys. Such insurance will help you to make a new key, in case it is lost or even repair or replace the old lock if it is damaged and also provides other sort of facilities.
We all have different types of insurance policies for our houses, cars and other important belongings. So why not have insurance for the keys to these things? It does not cost us much to have a key insurance, but it saves us a lot of trouble that happens when the key of a car of the front door of the house is lost. This type of insurance is comparatively new, as it first started in the early 1980s. There are various firms who provide this type of insurance cover. Some of them are big insurance companies who also provide this service along with other insurance covers, and some companies are specialised in providing this type of insurance covers. You can go to any of these types of companies to ensure the keys of your important things from theft or lost or damage. These companies will provide various type of coverage, like providing a new set of lock and keys, a cover of about $500-1500 as locksmith charges, car hire and transport charges. These companies also have a 24x7 helpline, where you can call and ask for help any time there is a problem. Thus the amount of coverage that you would be provided is great compared to the amount of money that you are required to pay annually.
In case you lost your car keys and you have the car key insured, then not only will the insurance company provide you with a new key, but you will also get to use the transport facility provided by the insurance company for the time being. Another important thing that the company does is announce a reward of about $10-20, which increases the chances of getting back your lost keys. So be it for the keys of your car or house or your office, you can have insurance cover for them. But there are a few limitations about key insurance which includes, only keys that are attached to the key fob are covered, a key is not considered lost until it cannot be recovered within a span of five days, a new key is provided only when there are no duplicate keys available, the lock that will be replaced will not be of a better quality than that of the one that was present. But despite of these conditions, the amount of facilities that are provided are immense and it also makes the process of getting a new key hassle free.
by: Robert.b
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