What should I do if I lost my only car key?

How many times have you checked that the car keys were in your pocket? If you don’t find them, do you know how you behaved? In this guide, Matrix Locksmith will explain what to do if you lose your car keys.

car key

Take out insurance

One way to protect yourself if you lose your only car key is to take out insurance. It is a highly recommended practice because it guarantees you maximum peace of mind in any situation without incurring too high a cost. Most of the time, the insurance is stipulated as an accessory within the Theft and Fire insurance (although it always depends on the different insurance companies).
Key insurance covers all the different expenses that arise when you lose it. First of all, the car manufacturer will provide you with another key completely free and will not charge you the coding cost (which is discussed shortly). However, the insurance does not cover all damages in this case, in the sense that the reimbursement is guaranteed only up to the achievement of a maximum expense defined directly in the contract. So be careful not to lose the key twice in a row.

Report the disappearance of your car key

If you happen to lose your car keys, remember to report the disappearance as soon as possible. This is not a mandatory practice, but it is highly recommended because it will guarantee excellent protection. If an honest citizen of Toronto finds your key and takes it to the Police Station, you will be very happy to be contacted to go and collect your keys. But beyond this case, which unfortunately is very rare, it serves to guarantee you protection from an insurance point of view.

Read more: What should I do if I lost my only car key?

Often, the loss of keys happens not so much for distraction as for the fact that they steal a bag. In these cases, if the thief has already targeted you, the next target becomes your car. If you have created a Theft and Fire policy on your car when you go to the Insurance Company, they will always ask you back for the two sets of keys to invalidate the compensation. To answer this problem then you will need the report signed by the Local Police Command to certify that you have lost the keys. Associated with insurance policies also on the keys then you will be in an iron barrel. In addition, the policy will also compensate you for the price of the keys.

car key

Key duplication and coding

Instead, let’s say you both lose your keys, and your vehicle is still there. The first nuisance is that you will no longer be able to have free access to your car. You need to go to your dealer as soon as possible to obtain a duplicate key. Bringing the spare key (or the appropriate plastic model) should resolve the issue within a few days so that you will have a new deck with lots of coding for your vehicle.

Read more: How to open locked cars in an emergency?

But when you no longer have a key or a plastic model, no fear. The Toronto car Locksmith technicians can still recreate a copy of the vehicle’s keys by simply going back to its data. Once it has shown that you are the actual owner of the car (or whoever owns it) through the chassis number, all sensitive vehicle data can be recalled, thanks to which a coded key can be created especially for it.


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These are just a few licenses and certifications and memberships Matrix Locksmith can showcase to the residents of Richmond Hill to ensure safety and peace of mind.

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Frank Wals, Toronto
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“Matrix Locksmith team are incredibly valuable locksmith company for us for years now, they just recently they installed a push bar on our front door , very professional and affordable , Highly recommend!”
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