Keycare Cover for Car Insurance
Protect Your Keys with Keycare*
Get QuoteWhat is Keycare cover?
Keycare1 is an optional extra you can add to your An Post Insurance Car Insurance policy. It covers the cost of replacing your car keys if they are lost, stolen, or broken, including the key fob, immobiliser, and any reprogramming needed. Modern car keys can cost hundreds of euro to replace, so Keycare provides peace of mind for a small monthly or annual cost. Keycare cover with An Post Insurance costs €19.76 per year (including government levy) or €1.65 per month. It is not necessary to purchase this cover in order to purchase a policy. Limits to cover apply, these are outlined below. Not available on BoxClever2 Telematics Policies.
1) Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
2) BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
What does Keycare cover?
Keycare covers the cost of replacing your car keys if they are lost, stolen, or broken including the key fob, immobiliser, and any reprogramming or locksmith charges needed to get you back on the road.
Lost or Stolen Keys
If your keys are lost or stolen and no duplicate is available, Keycare covers the cost of a replacement key, locksmith charges, or new locks, up to the combined annual limit of €1,500. If a duplicate key does exist, Keycare covers the cost of a replacement key only.
Broken Keys
If your key is broken or broken in a lock, Keycare covers up to €100 per claim for a replacement key and locksmith charges.
Unlimited Claims
Vehicle Hire
If your car is unusable because your keys are lost, stolen, or broken and no duplicate is available, Keycare covers vehicle hire for up to 3 days at up to €50 per day.
How does Keycare work?
It is straightforward. Here is how it works:
- Add Keycare to your policy: When getting a car insurance quote with An Post Insurance, select Keycare as an optional extra. It costs €19.76 per year (including government levy) or €1.65 per month.
- If your keys are lost, stolen, or broken: Call the Keycare helpline number listed in your policy documents.
- Report the incident: Provide your policy details and a description of what happened.
- Get your keys replaced: Keycare covers the cost of replacement keys, the key fob, and any reprogramming of the immobiliser or locking system. The claim is handled through the Keycare provider, not through your main car insurance policy.
- No effect on your No Claims Discount: A Keycare claim is separate from your car insurance, so it does not count as a motor claim and will not affect your NCD.
How much does Keycare cost?
Keycare costs €19.76 per year (including government levy). That's just over €1.65 per month. It is added as an optional extra to your car insurance policy and can be selected when getting a quote. Keycare is not required to purchase a car insurance policy. Not available on BoxClever Telematics policies.
Keycare Cover
For just over €1.66 per month you can cover the unwelcome costs of having to replace your missing, lost, broken or stolen keys. Keycare cover is an optional extra, it is not necessary to purchase this in order to purchase a car insurance policy.
Get a QuoteAcceptance criteria, T&Cs apply, subject to minimum premiums
How we Help
For full details on our Keycare cover please view our Keycare Policy Summary
24 Hour Helpline
You will be given access to a 24 Hour Helpline for support, locksmith availability and claims notification.
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Call Out Assistance
Emergency Assistance provided if your keys are locked in your car or home.
How to Claim
- Theft: If an insured key has been stolen, it must be reported to the Gardai immediately and a crime reference number obtained. Keycare cannot deal with your claim for stolen keys until you have reported the theft to the Gardai and confirmed the crime reference number to Keycare.
- Making a Claim: You must report any claim to Keycare as soon as possible and within 45 days of the insured event. To make a claim call 01 431 9639 and quote the fob number. When the claim has been authorised, Keycare will send you two copies of the Statement of Facts based on the information you have supplied. This is the information Keycare will use to handle your claim, so it is your responsibility to ensure it is correct. You must submit valid invoices/receipts (in respect of expenditure authorised
by Keycare), and any necessary supporting documents, to Keycare within 120 days of the insured event.
- Supporting Documents: When you make a claim in respect of vehicle keys, you must, if requested provide a valid vehicle licencing certificate, or, a contract or lease agreement containing the registration number of the vehicle. When you make a claim in respect of other keys, Keycare may, at its discretion, ask for supporting documents (such as evidence of address in the case of house keys).
- Maximum Number of Claims: Within the period of insurance, you may make more than one claim, but the total aggregate sum payable in each period of insurance cannot exceed the cover limit.
- Fraud: If any claim is in any respect fraudulent, or if any fraudulent means are used to obtain benefit by you or anybody acting on your behalf, including exaggeration of the claim, or submission of forged or falsified documents, you will not be entitled to any benefit under this policy and criminal proceedings may follow.
We Value your Feedback
Very quick service and well explained. – Robert, June 2022
It was so simple to claim excellent service from start to finish. First time in 40 years I have ever lost my car key and thought it would be much more problematic. – Mary, June 2021
Until I lost my keys I didn’t realise how difficult losing your keys was. Very impressed with the service – Tonia, March 2021
It covered a broken key not just lost or stolen – Gareth, Oct 2021
On my way to visit my brother in hospital, the overall assistance I got was super and I was in a distressed state. My brother was very ill in hospital – Teresa, April 2021
It was hassle free & prompt – Paul, Feb 2021
Keycare FAQs
When you receive your key fob, you should take a separate note of the unique ID number found on the back and then attach it to your key ring as soon as possible.
If an insured key has been stolen, it must be reported to the Gardaí immediately and a crime reference number obtained. You should then call the Keycare Helpline number on 01-431 9639 to begin the claims process. It’s important to note that Keycare cannot deal with your claim for stolen keys until you have reported the theft to the Gardaí and can then confirm the crime reference number to Keycare.
As soon as you notice your keys are lost or broken, you should have your unique key fob number ready and call the Helpline number on 01-431 9639
If your keys are locked in your car and you do not have a duplicate key, call the Keycare Helpline number on 01-431 9639 and a locksmith will be arranged to retrieve your keys or gain entry to the vehicle. You will be entitled to claim back the cost of locksmith charges for gaining entry to your vehicle. Please note the cover and call out limits detailed in your policy schedule, as you will only be entitled to claim back costs within this range.
Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
The keys of the policyholder, any immediate family member permanently living with the policyholder at the same address and any named driver on the Car Insurance Policy Schedule during that period of insurance.
No, Keycare* is an optional extra that you add to your Car Insurance Policy for an additional cost of €19.76 per year (including government levy) or €1.65 per month. You can add it when getting a quote or renewing your policy. It is not necessary to purchase Keycare in order to purchase a Car Insurance Policy. Not available on BoxClever** Telematics policies.
*Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
**BoxClever Car Insurance features and benefits differ from standard car insurance. Visit our BoxClever Telematic Car Insurance page for details.
Replacing a modern car key can cost anywhere from €150 to over €500, depending on the make and model of your car. Keys with transponder chips, remote fobs, or proximity sensors are the most expensive to replace. Keycare* covers these costs for €19.76 per year.
*Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
No, a Keycare claim is handled separately from your car insurance policy, so it does not count as a motor claim and will not affect your No Claims Discount.
*Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
If your car uses a modern electronic key, key fob, or proximity sensor, Keycare* is worth considering. Replacing these keys can be expensive (often several hundred euro), and the cost of Keycare (€19.76/year) is a fraction of a single replacement. It also covers locksmith costs and immobiliser reprogramming, which can add up quickly.
*Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. Please refer to our policy booklets for full cover details, limits, exclusions and terms and conditions that apply.
Need Help?
Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.
