Are replacement keys covered by my insurance?
Marshmallow car insurance policies do not cover the cost of replacing lost or stolen car keys under Section 3 (Loss of or damage to the insured vehicle).
Does AA Breakdown Cover help with lost keys?
If you have AA Breakdown Cover through Marshmallow, the AA can arrange help—but you will need to pay for the replacement key and any locksmith services yourself.
What if my key was stolen?
If your key was stolen, your policy may provide up to £750 per policy year to replace it—but only if your plan includes 'Theft of keys' cover (available with Marshmallow Original and Plus policies).
To claim:
Report the theft to the police and get a crime reference number.
Start a claim via your Marshmallow account or by calling the claims helpline on 0800 060 8622.
Quick reference: Key cover by policy type
Policy Type | Theft of Keys Cover | Lost Keys Covered? |
Marshmallow Lightest | ❌ No | ❌ No |
Marshmallow Essential | ❌ No | ❌ No |
Marshmallow Original | ✅ Up to £750 | ❌ No |
Marshmallow Plus | ✅ Up to £750 | ❌ No |
If you're unsure what type of policy you have, log in to your Marshmallow app and check your policy documents.