Can insurance company reject claim if both keys are not available.

[Raghav2006Raghav2006 is verified member.]

Hi,
So recently I bought a used car and I only got 1 smart key with it. I was told by dealer that the previous owner damaged it and doesn't have it anymore.
Now I got the car insured with zero depreciation insurance and someone told me that companies reject the insurance if both keys are not available.
Now I've contacted the service centre and my local centre told me it'll cost 24k as both will have to be replaced.
A centre in nearby city told me single can be provided and will cost 12.5k.

Now I will eventually have to get the key as a single one won't suffice, but for now I want to know if having a single key would have any issues?
I've asked the insurance company and they've told me to get a written letter from previous owner that it was damaged and keep it with me, and share with them.
When I asked that post that there won't be any issues? I was told that having both keys isn't a rule but mostly asked in claims and if I do the above, I can atleast tell that I had shared this info with them.

Can anyone please tell me if this is the right way forward?

Thanks a lot.

 

[Anupama_Jha]

Nope never. I won't suggest at all.

Replace the lock or get the new key from authorised dealer only with bill receipt. For 12/24k, u are gambling, with world war 3

 

[akash2401akash2401 is verified member.]

Hi,
So recently I bought a used car and I only got 1 smart key with it. I was told by dealer that the previous owner damaged it and doesn't have it anymore.
Now I got the car insured with zero depreciation insurance and someone told me that companies reject the insurance if both keys are not available.
Now I've contacted the service centre and my local centre told me it'll cost 24k as both will have to be replaced.
A centre in nearby city told me single can be provided and will cost 12.5k.

Now I will eventually have to get the key as a single one won't suffice, but for now I want to know if having a single key would have any issues?
I've asked the insurance company and they've told me to get a written letter from previous owner that it was damaged and keep it with me, and share with them.
When I asked that post that there won't be any issues? I was told that having both keys isn't a rule but mostly asked in claims and if I do the above, I can atleast tell that I had shared this info with them.

Can anyone please tell me if this is the right way forward?

Thanks a lot.

They can easily reject in case of theft.