What should you do if you lose your car keys? Kevin Pratt, Moneysupermarket's insurance expert, says one is claiming on your motor insurance policy. According to the Association of British Insurers, many policies cover keys as standard. But check to see what level of cover is provided and what you'll pay if you claim. "If you have to pay excess, it could be more than the cost of the keys," explains Kevin. And if you make a claim, you could put your no claims bonus in jeopardy. People are reluctant to do that. Alternatively, there are stand-alone key cover policies. "The cover these policies offer can be more extensive," says Kevin. If you know where your spare key is, they may arrange for a taxi to get you home. It's worth comparing to see what level of cover they provide. For an annual fee, companies like Keycare specialise in recovering or replacing lost or stolen keys. Another option is keeping a set of keys with Sparekeys.com - for £3.99 a month they'll deliver them if you're stranded. It's also worth checking breakdown cover. If you lock your keys in your car, the AA and Green Flag can gain entry to your vehicle. Whatever you decide, treat your keys as valuable possessions. "Don't leave keys so they're easy to find in the house," says Kevin. It's also a good idea not to keep your key with your name, address or registration of the car. Have nothing that identifies where you live or who you are. Renault Clio 2002 £480 Ford Galaxy 2003 £250 Fiat Punto 2005 £168 Land Rover Freelander 2008 £268 Source: Keycare