Losing your car key can be stressful, and getting a duplicate car key made quickly is tempting — but it can affect your vehicle insurance claim if not handled correctly. Insurance companies may ask how the key was lost and whether the replacement was authorised, so it’s important to report the incident promptly, keep receipts, and follow policy guidelines. Knowing how losing your car key affects your insurance claim helps you avoid claim rejection and ensures smoother processing when you need coverage most.