It is stressful to lose a car key. And having it taken from you is even worse. BMW keys are not cheap to replace, and the advanced security systems on modern models further add to the cost. But if you have had your BMW key stolen, should you sort the replacement via insurance − or go down the more economical route of replacing it yourself?
Your insurance coverage, excess fees, and urgency of help will determine the answer. And here’s what you need to know before you choose.
So, What Happens with a Stolen BMW Key?
Having your BMW key stolen is a pain. Saves with sufficient room to surround the entry area or exit only as wide as the given leaves and scarps accumulate over time. Most of the smart keys on newer BMWs include remote-locking capabilities, push-button starts, and coded chips. If anyone has your key, they can get into or even take your car.
This is why it is important to take action quickly. In most cases, drivers need:
- A replacement key
- Key reprogramming
- Old key deactivation
When locked out and need emergency vehicle access
All of these can be accomplished swiftly and safely with locksmith services specialising in BMW key replacement.
Covers Theft of BMW Keys Part of Car Insurance
Certain comprehensive car insurance policies in Australia may also include coverage for stolen keys. However, every insurer is different. Before lodging a claim, check:
- Your policy inclusions
- The excess amount
- Annual claim limits
- Whether roadside assistance applies
Often, the cost of replacement will be less than your insurance excess. If your excess was $700, and a key replacement would set you back $450, usually paying out of your own pocket is more sensible.
However, a BMW smart key can be considerably more expensive − and a full re-program can be even more so. In those situations, maybe an insurance claim is the penny-pincher.
When Paying Out-of-Pocket Makes Sense
For the short term, a lot of BMW owners simply pay out of their own pockets as it’s speedier and doesn’t have an effect on future premiums.
You may want to pay yourself when:
- The replacement cost for your excess is less
- You need immediate service
- Your no-claim bonus may be impacted
- Your insurer takes a long time to approve policies
Most of the time, a reputable auto locksmith can come out to you and cut and program your replacement BMW keys on the spot − without needing to have the vehicle towed to a dealership.
Locksmith Can Offer You a Quicker Service Compared to a Dealership
Others, like BMW, require in-person visits to the dealership, proof of ownership, and waiting for your key to be special ordered. This can leave you stranded for days.
Call an experienced auto locksmith in Melbourne, who can:
- Cut and program replacement keys
- Turn off keys stolen from the system
- Provide emergency unlocking
- Travel to your location
This speeds up the process, particularly in an emergency.
Preventing Future BMW Key Theft
Modern car thieves have been increasingly taking aim at keyless entry systems. Simple habits can lessen the chances of falling victim again to an incident of a key being stolen. At home, keep your keys away from doors and windows, and store smart keys in a signal-blocking pouch. However, you may also store a spare prior an emergency occurs. A BMW key replacement specialist can provide duplicates and years of security expertise to help keep your car secure for the long haul.
Selecting the Best BMW Key Solution
After a theft, whether insurance or self-paid, it only pays to be fast. Holding out on replacing them puts your automobile at danger.
You will need to weigh your excess on the insurance that you have against the actual cost to replace it before you go ahead. Usually, it is less complicated, as well as much less costly, to pay out-of-pocket.
When you get your key stolen, reach to a certified auto locksmith in Melbourne instantly. Don’t wait: fast action can protect you and your BMW from harm.
