I lost my car key last week and didn’t find much help online. After making a few calls and making a few visits, I now got the complete security system replaced. As always, I’m posting this on my blog hoping that it might assist someone, someday.
What can you do NOW (before you lose the key) that will save you some regret later?
While I sincerely hope that you don’t lose your key, and also hope that it doesn’t get stolen, it is good to make a few arrangements before-hand to deal with such a situation later.
1. Talk to your insurance company
The insurance you have for your car has multiple options; and ‘lost/ stolen key’ is one such ‘feature’ you may or may not have in the package. I would recommend that you have a word with your insurance company casually to understand the policy.
My car insurance policy is with Bajaj Allianz (BA) and unfortunately, the policy I currently have does not cover ‘key lost’ situations. I was surprised to know that BA doesn’t consider key as part of the car (Asha – EmpID BG08017 confirmed so).
Mind you, I have a ‘dealer policy’ which I was told is much better than the ‘regular’ policy. You get such a policy from Ford dealer instead of BA directly- online or through their branch offices. The advantages I have with this policy so far are: (i) Doesn’t cover ‘key lost/ stolen’ situations and (ii) I cannot renew it online like any other BA policies; I HAVE to go visit the dealership to get it done.
If your policy is like mine, check if you have any option to upgrade the policy. It normally costs less than INR 1000 (additional) to have ‘lost/ stolen key’ covered. It cost me INR 6200 to replace the security system. So, as the concept of insurance itself is, a small price to pay to play safe in case the unfortunate happens.
2. Save your second key and REMEMBER where it is.
It took a couple of hours for me to locate the spare key when I lost my main Intelligent key last week. Good for me that the car was at home when I misplaced the key. Imagine a situation when you’re on road when this happens!
Only one of the two keys that are given with Figo has the remote options, as is the standard with few other makes and models in the market. So, you would prefer to use this Intelligent key and when this is lost/ stolen, you take out the second key. While the convenience is not the same, it will allow you to get home, take a moment and then think about the course of action.
I have a system. Spare keys of all my vehicles (Figo, Yamaha and Activa) stay in my briefcase at home by default. When I take road trips with friends/ family for more than a couple of days, I normally handover the spare key to someone in the group and take it back when I return. Design your own system and stick to it.
If you know where your spare key is, Ford Road Side Assistance will help you to get that key to you wherever you are stuck. Of course, when it’s at home, there has to be someone to locate the key and hand it over to the Road Side assistance guy.
When you get the spare key, you can come home safely. Or, if you have ample time and resources (money or insurance coverage for ‘lost/ stolen key’ situations) Road Side assistance can help you get the car to the nearest Ford dealer to have the key replaced.
3. Have the necessary info like phone numbers handy
Of course the phone numbers are readily available in the car. There is insurance documentation and Ford ‘user manual and service record’ that will have contact information listed. You may also see some stickers on the rear side glass or boot door glass that holds the contact information.
Just to be sure, when you have a moment, write down/ print the list of phone numbers you will need in such cases and leave it in the car. When you lose the key, the quicker you can locate the contact phone number, the sooner you can expect assistance.
Ford manual also has the key number written in it. The same information is available on a plastic key-ring-tab when you received the keys at the time of car delivery (It probably is still hanging on to the spare key, check!). Ford may need this information to program the new key to your car.