My wife’s handbag, including items showing our address and car keys, was stolen. I was worried the thief could find the car so paid to have the locks changed. I claimed under the personal possessions section of my house insurance with Churchill but was turned down as Churchill regards car keys as vehicle accessories, which are excluded. My Churchill motor policy excludes keys lost outside the car. GC, Ashford, Kent
Churchill told you that keys were an accessory and not a personal possession, which is a peculiar interpretation that it now retracts. But the full exclusion reads “accessories and parts” and insurers commonly describe keys as parts. Your experience highlights the lack of protection for car keys, which readers should note.
Fortunately you remembered, within the 24-hour time limit, that your CPP credit card protection covered car keys and made a successful claim.
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