Nissan Finance Key Cover insurance means that in the event of loss or theft of your car keys we’ll get you mobile as quickly as possible and cover the cost of key replacement or recovery (up to £1500). You will be issued with one key fob and all keys attached to this fob will be covered by our policy.


Why do I need it?

Lost or stolen car keys can be an extremely expensive inconvenience. All car keys since 1995 have to be fitted with a transponder chip (linked to a vehicle immobiliser) but this advanced technology means the average cost of replacing a car key is around £200.* And, if your house keys are on the same fob as your car keys, you have the extra hassle and expense of changing your home door lock too.



If your insured keys are lost or stolen, you’re covered for:

  • Replacement keys and locks and any call-out charges (up to annual cover)
  • Locksmith charges if you lock yourself out of your home or vehicle (up to call-out limit)
  • Up to 3 days vehicle hire if you can’t use your vehicle as a result of loss or theft of your car keys

Other benefits include:

  • 24 hour, 365 days a year emergency helpline
  • Access to a nationwide network of locksmiths
  • There’s no excess to pay
  • Your no claims discount on your main home or motor insurance policy won’t be affected
  • Up to 3 additional keys attached to the issued fob are covered



You must report the loss of your insured keys by calling the number below as soon as possible - within 30 days of your keys going missing.

If the keys have been stolen, you must also report it to the police and ask for a crime reference number.

When you call the policy administrator, Keycare, on the emergency helpline 0845 303 0550 (it operates 24/7, 365 days a year) you will be asked for your key fob number.

For your own security, we may also ask you to provide evidence that you are the owner of the vehicle or premises to which the stolen or lost keys relate.

You pay the locksmith or key replacement provider and send the receipts or invoices to Keycare for reimbursement.



Nissan Finance customers can get a full year’s Key Cover insurance for just £9.99.

Key Cover is exclusively available on our online portal only so to buy it, you need to:

  • Be a customer of Nissan Finance
  • Have activated your online portal

If you haven’t activated your online portal account yet, activation takes just a few moments.  You’ll need your agreement number in order to activate your account, which should have been posted to you when your vehicle was delivered.


Key Cover


Access the portal to buy Keycover