If you lost your car key and got a duplicate, do you still get an insurance claim?

Losing the car key can be a cause of trouble for anyone. In such a situation, many people immediately get a duplicate key made. So that there is no problem in driving the car. But if there is an accident or theft after changing the key, will the insurance company give a claim?

There are many provisions related to the safety of the vehicle in the rules of the insurance policy. The company wants to ensure that the vehicle owner has not been negligent in the safety of the vehicle. If a new key is made and used after losing the key. Then the decision of the claim can change.

If the car is stolen and it is proved that the theft was done with a duplicate key. Then the insurance company investigates the matter deeply. It checks whether the duplicate key was made from an authorized service center or a local key maker and whether the correct process was followed for this.

Many insurance companies believe that if the duplicate key is made from an authorized dealer or company and its information is given to the insurance company and the police on time, then there is a possibility of getting a claim. On the other hand, if there is no official record, then there are chances of the claim being rejected.

It is necessary to register an FIR immediately after losing the key. This proves that the owner of the vehicle took necessary steps for safety. Apart from this, it is also necessary to inform the insurance company immediately, so that it can update its records and there is no dispute at the time of claim.

The complete record of getting the duplicate key made, bill and workshop details should be kept safely. This can later be used as evidence at the time of insurance claim. Without this, the company can believe that the owner has been negligent in the safety of the vehicle.

That is, overall, insurance claim can be received even after getting the duplicate key made. But for this it is important that the correct procedure is followed. Informing the police and the insurance company, getting the keys made from a shop and keeping all the evidence safe strengthens your claim.