Your car keys are more than just a way to start your engine. They are the gateway to your vehicle’s security. Many of us often hand them over without a second thought about what could happen. However, in today’s world, a little extra car key care can go a long way. It helps prevent theft, loss or unexpected insurance issues.
According to a report by TopAuto, between October and December 2024, authorities reported 7,791 cases of motor vehicle and motorcycle theft. That is an average of approximately 85 vehicles stolen per day.
I will outline everyday scenarios related to the duty of care around car keys. In these situations, you must stay mindful of where you put your keys to keep your vehicle safe.
Who has got your keys?
A quick trip to the car wash is a weekly routine for many of us. But do you ever think about what happens to your keys while your car is being cleaned?. Handing them over without knowing where they are stored can leave your vehicle vulnerable to theft. You must prioritise your vehicle’s safety.
Keep in mind that criminals may try to claim your keys without your knowledge. They may pretend to know you or claim to work for the car wash where you have left your vehicle. For this reason, it’s best to choose a reputable car wash with clear security measures and protocols in place.
Cross-country transport – know the fine print
If you are moving your car across provinces on a transport truck, you might assume the logistics company’s insurance covers you. But what happens if there’s a serious accident or your car is damaged in transit?
You always notify your adviser before your car is transported. This ensures there are no gaps in coverage that could leave you out of pocket. Before you let your car go, confirm whether your vehicle is covered for transportation across the country. Once your car is in its new location, don’t forget to specify its new risk address.
Airport parking – more than just a space
Leaving your car at the airport for a long period is convenient. But if your arrangement involves handing over the keys for valet or repositioning services, there is a risk of damage or even theft.
Before you travel, speak to your adviser. Make sure you’re covered for any unexpected incidents. Also, ensure you have comprehensive cover in place.
Duty of care – handing over the keys after a night out
Using a designated driver is a great idea, if you have comprehensive cover. Many comprehensive policies include additional licensed drivers, but it’s always worth confirming.
Even better, I recommends checking with your adviser. See if your policy includes safe ride services so you can get home responsibly. Remember, if you drive after drinking and are involved in an accident, your claim could be denied due to intoxication. So don’t take the risk.
Key cover – the price of losing them
Lost keys are more than just an inconvenience. They can be an expensive problem. Modern car keys include advanced technology, which makes replacements costly.
Some insurance policies include All Risk Cover. This benefit can help cover the cost of replacing lost or stolen keys. Be sure you have this coverage in place to avoid an unexpected financial hit.
Your car’s security starts with how you handle your keys. By taking simple precautions and ensuring you have the right insurance coverage, you can avoid unnecessary risks and financial setbacks. Not sure if you’re fully covered? Speak to your adviser to stay one step ahead.
Ryno de Kock | Head | Distribution | PSG Insure | mail me |
