A thoughtless moment …
The individual apartment key can slip out of the pocket, the car key can break in the lock, the large bunch of keys for the company premises can be left behind at a thoughtless moment, the key to the bank safe can be stolen. But at some point you have to and want to go back to your own four walls, be mobile, back to the company or to your valuables.
Whether in Westphalia, the Allgäu or any other region in Germany: Help is offered by a reliable one Locksmith
. Many companies can be reached around the clock and even change locks and cylinders at night as needed. In addition to the time of day, the amount of the costs for the exchange is also dependent on the make of the lock and key and the corresponding effort. But those affected can find their mishap even more expensive – namely when the company boss decides to replace the entire locking system or the vehicle requires completely new electronics.
What were the missing keys used for?
Doors with locks can be found almost everywhere:
- Private rental apartment
- Commercial building
- car key
- Safe deposit box
- Codekarten Hotel
- Condominium or house
- Private rental apartment: Hardly any effort with individual keys. If the lost key opens the front door and apartment door, every neighbor may receive new keys.
- Commercial buildings: executives, teachers, caretakers – they all generally have access to their workspaces at all times. Here, too, the loss of a single key, such as to the cellar door, results in only minor damage, while the exchange of central keys can be very costly.
- Car key: The effort depends on the electronics in the car and on whether the key was broken or lost.
- Safe deposit box: Modern safe deposit boxes can be temporarily locked. If the key is not found again, the exchange of the lock will be billed to the bank customer.
- Code cards for hotels and office buildings: There are normally no significant follow-up costs here. Access cards to individual rooms can easily be deactivated electronically and reissued.
- Condominium or house: Here the key holder is not answerable to anyone – except for his insurance …
When and what does which insurance pay?
In principle, insurance policies are taken out just in case: They replace damage, cover treatment costs or cover the consequences of a lost key. Provided that both parties have agreed on a corresponding passage in the insurance contract. Basically:
- Household contents insurance is only the correct point of contact in the event of theft or robbery or otherwise lost keys due to insured damage. Example: The key can no longer be found since the fire brigade in the apartment.
- In hardly any basic tariff of liability insurance is a Key protection included. But for a small surcharge you can Take out comfort or premium tariffs or arrange additional insurance, under which private and professional keys can be insured individually or in combination, as desired.
- Large companies often incorporate a separate clause into their own public liability insurance to protect their employees from financial difficulties.
- Like household contents policies, fully comprehensive insurance for motor vehicles is only effective in the event of key theft. But even here, if necessary, an additional clause in the private liability insurance and thus the Payment of towing costs or the exchange of door and steering wheel locks
to be agreed.
The small print should always be read! Anyone who signs a contract in which gross negligence is excluded from coverage ends up being left with the consequential costs of losing a key, even with premium tariffs. And these can be considerable:
Five-digit amounts for a keychain
Modern locking systems are secure – and the security increases the price of installing a new cylinder in the lock and having new keys manufactured. A few hundred euros come together quickly here. In the case of extensive company buildings, the damage can even reach high five-digit amounts.
Insurance sums of up to 50,000 euros can be agreed with special insurance rates. In most cases, the policyholder agrees to a deductible of 150 euros.
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