How to Get Spare Car Keys Easily in India?

Search for the Keys

The first step is to search for the keys in the areas you visited just before losing them. If you did not go anywhere recently, you should look for them in your home.

Collect Information About Your Car

If you are unable to find the keys anywhere, you need to start with the key replacement process. For this, you will have to get information about your car, like its make and model and year of manufacture.

This information can easily be found with the chassis number, which is present near the car dashboard. You can see the chassis number from outside the vehicle so that it can be noted down from there.

Contact the Dealer or Manufacturer

Once you have got the chassis number, you can proceed by informing the company or dealer from which you bought your car about the lost car keys and providing the concerned individual with your car details and the chassis number.

Get Car-Related Documents

To use key duplication services provided by dealers and manufacturers, you need to show proof of identity and ownership. So, when visiting them, carry the following car-related documents with you:

• Registration Certificate (RC)

• Driving Licence

• Aadhar Card or PAN Card

• Insurance Policy and other required documents

Go for Key Replacement

After proving that you are the owner of the car, two options will be given to you:

Standard Key Replacement: A duplicate car key is provided, taking into account the car details.

Transponder Key Replacement: A transponder key is programmed according to the car’s immobiliser system.

Choose a standard key replacement and ask for a new key. Once the replacement key is made, take your identification and other car-related documents to the dealer or manufacturer and collect the key.

Check for Add-Ons in Your Car Insurance Policy

If your car insurance plan has a key replacement cover or road assistance cover and you’ve opted for them, you can take the help of your insurer if you are stranded somewhere.

A key replacement cover will help you get compensation for costs incurred for the replacement of your lost car key. Here, it is important to note that these covers are add-ons and are only offered in a comprehensive car insurance policy or a standalone own-damage insurance plan.

The cost of replacing a car key in India depends on the type of key and the model and make of the car. However, the cost of regular and remote car key replacement ranges between ₹1,500 and ₹35,000.

The key replacement cover is an add-on provided under comprehensive or own-damage car insurance. This cover offers compensation to the car owner for covering the cost of:

• Replacement of car keys if they are lost or stolen.

• Replacement of car keys and the lock if they are damaged by a burglar.

• Replacement or repair of the car lockset if it is compromised due to an accident

Roadside assistance cover is one of the most useful add-ons in comprehensive and own-damage car insurance policies.

Insurance companies like Tata AIG offer this cover under their insurance plans, which help policyholders get services like:

• Battery breakdown services

• Flat tyre replacement services

• Spare key delivery service

When Renewing Your Car Insurance

• Go to Tata AIG’s website.

• Select car insurance renewal online and enter your car registration number.

• Once you enter the information, your expired policy will be displayed.

• Add the required cover to it.

• Make the payment, and Tata AIG will send you a new policy document.

When Buying New Car Insurance

• Visit Tata AIG’s website.

• Enter your car’s registration number and click on “Get Price”.

• Enter the month and year of purchase, the previous policy expiration date, and your mobile number.

• Deselect the “My Previous Policy was Comprehensive” option and click on “See Price”.

• Verify the OTP sent to your number.

• On verification, you will get different car insurance policies and choose either a comprehensive or own-damage car insurance plan.

• Add the required cover to it.

• Pay the amount and you will get a car insurance policy sent to your email.

• Inform one of Tata AIG’s experts about the lost car keys.

• File an FIR if you believe the car keys are stolen.

• Once you get the duplicate key from the dealer or manufacturer, visit Tata AIG’s Claims Section and click on “Initiate Claim”.

• Select “Car” and enter your registered mobile number.

• Enter the OTP and click on “Confirm”.

• Upload the required documents, like a car insurance policy, FIR, invoice for key replacement, etc.

• On successful verification, you will receive compensation for the expenses incurred in a few days.

The key replacement cover offered by Tata AIG’s car insurance policies proves to be beneficial if you have lost your car keys. Insurance for four-wheelers that have this cover helps car owners receive compensation for expenses paid to get a replacement key.

However, it is essential to know that this cover can only be added to comprehensive or own-damage car insurance plans for an additional premium.

With Tata AIG, you can easily include our Key Replacement add-on during purchases or car insurance renewals online via our website.

Losing car keys is perhaps the biggest fear drivers have, especially when the key is lost outside the home, and there is no spare key. However, there is a way out.

The first is to retrace your steps. In case you do not find them anywhere, you can go for key replacement by contacting your dealer or the car manufacturer. You can also get our help if you have opted for our Key Replacement add-on cover under your car insurance policy.

If you’re worried about going over budget due to higher premiums, feel free to use our car insurance calculator to know exact estimates for better budgeting.

How to make a car duplicate key?

The best thing to do is to contact the dealer or company from which you purchased your car. After knowing the issue and verifying proof of ownership of the car, the person in charge will make a duplicate key for your car.

Can I raise an insurance claim for lost keys?

You can file a claim request if your car insurance plan has a key replacement cover. Otherwise, you will not be eligible to receive compensation for covering replacement costs for your keys.