Losing a key might seem like a minor hassle, but its effects can ripple far beyond the immediate frustration. Every day Irish people face time-loss, expense and security risk simply because they misplaced or broke a key. Below we explore why you should consider it. We’ll examine the scale of the key-loss problem and highlight what sets Dolmens Keycare insurance policy apart. Dolmen are experts in all types of motor and car insurance. Whether your a young driver, or looking for classic and elite car insurance, so we know just how valuable Keycare Insurance can be.
First, consider the everyday cost of losing regular keys. A survey in the UK found that 43 % of drivers admitted to regularly forgetting where their car keys were. RAC Media Centre+1 On a broader scale, lost keys show up high on lists of most-commonly misplaced items. The time people spend searching is also significant: one source estimates that losing items like keys can cost over a week of one’s life each year.
Second, when it comes to modern car keys or key-fobs the stakes really rise. The aforementioned survey reported that when drivers permanently lost car keys, over half paid on average €256 just for replacement. In fact, some replacements for advanced “smart” car keys or fobs can cost hundreds or even over a thousand euros. We have heard of prices in excess of €1,500 to replace some modern car keys.
Third, beyond cost there is the security dimension. A lost key might allow access to your car, home, garage or office and can trigger additional costs: new locks, reprogramming, locksmith calls, and so forth. Therefore, the risk is real: time wasted, money spent, and security compromised. Investing in cover makes practical sense.
Why take out Keycare insurance?
For most people the argument is straightforward: you pay a modest amount today to avoid a large-scale unexpected expense tomorrow.
- When you lose or break a set of keys you don’t have to scramble for the funds.
- You gain access to locksmith services, replacement locks or keys, and potentially even temporary travel costs or vehicle hire if stranded.
- You safeguard peace of mind: you know your keys are covered so the hassle becomes manageable rather than catastrophic.
- You protect yourself from surprise bills, loss of time and the chain-reaction cost of changing access systems or reprogramming electronics.
In short: key-care insurance converts a random risk into a predictable, manageable cost.
Why the Dolmen Keycare policy stands out
Now, let’s turn to what makes Dolmen’s Keycare one of the best options on the market in Ireland.
- The premium is very affordable: the policy starts at just €25 per year.
- It covers lost, stolen or broken keys and locks, not just car keys but house, garage, bike, caravan keys and more.
- It offers up to €1,500 cover per year for locksmith charges, replacement locks and keys.
- It adds extra benefits: for example, cover for onward travel costs if you’re stranded without keys, car hire for up to three days, and no impact on your No Claims Discount for other insurance policies.
- There’s no excess to pay and nationwide locksmith access is arranged (where possible within two hours).
Because of all these features, Dolmen’s Keycare insurance offers excellent value. For a small annual cost you gain broad key-related cover plus benefits that many standard home or car policies might exclude or restrict.
How to decide if Keycare Insurance is right for you
To determine if this policy is a good fit, ask:
- Do you own a vehicle with a modern key or key-fob that would cost hundreds (or more) to replace if lost?
- Do you have multiple access keys (home, garage, office, bike) that you’d prefer not leave uncovered?
- Are you willing to pay a small annual premium to avoid a large unexpected cost and avoid time lost dealing with the problem?
- Do you appreciate the extra benefits like locksmith access, onward travel or car hire if you get stranded?
If you answered yes to one or more of these, then key-care insurance is worth strong consideration, and Dolmen’s offering particularly merits attention.
What to do next?
In today’s world, where car keys and key-fobs are increasingly sophisticated and expensive, the risk of losing or damaging them should not be underestimated. The statistics show that keys are among the most frequently lost items, and replacing modern vehicle keys can cost large amounts. Against that backdrop, taking out dedicated key-care insurance makes sense. The Dolmen Insurance Keycare product offers a compelling mix: low annual cost, broad coverage, generous benefit limits, and strong customer-oriented features. Ultimately, it turns a potentially expensive and stressful event into a manageable one. For anyone who values convenience, security and predictability, this is a policy worth serious consideration.
Moreover, when you pair that key-cover with Dolmen’s broader motor suite (young drivers, classic cars, elite vehicles, fleets) you gain the advantage of working with a broker who can meet multiple needs under one roof.
Disclaimer: The information provided in this blog is for general guidance and informational purposes only. While every effort has been made to ensure accuracy at the time of publication, Dolmen Insurance Brokers Ltd accepts no responsibility for any errors, omissions, or changes in legislation. Insurance policies and cover requirements may vary based on individual business needs and circumstances. This blog does not constitute legal, financial, or insurance advice. Readers should consult a qualified insurance broker or advisor to obtain advice specific to their situation.
