Scotty, I too think the insurance firm is thaking th pee trying to write off a foci for a set of lost keys, it almost seems like they are trying ot get "old" cars off the road for no resson!

Thanks for all the support guys here's an update.

So I've changed the locks on my flat (the main entrance that is used for all the flats and my flat door) it's a rented flat I've sorted it now comes the arguments with the landlord to see if I can claim any money back off him he has insurance so its worth a go.

My if currently locked away safe with Ford (hopefully) I'm having all of the locks changed and some new keys and whatever else needs doing at a cost of £483

I've learn't a lesson here about insurance, I can't claim as my excess is £500 even if it was £300 there would be no point claiming as the price would rocket next time I renew. So next time I renew (august) I'm going to protect my no claims (will be 5 yrs) and get that excess as little as possible (as I'm under 25 I get hit with a few compulsory excesses) so when something like this occurs again I will be able to claim without being punished too badly. I hope others can learn from the problems I've been hit with.

Also something else I've been thinking about I've seen a few posts with people getting excited about being able to get insurance for a new focus just keep an eye on those excesses you don't want to get caught out if some minor damage gets done. Sorry I'm getting into rant territory now!

Thats a pain noone needs at the moment hope the landlord helps out with the locks, at least you'll get a bit of cash back

I know its a bit late for you now Pazza, but others can consider this: Key Protection. I never thought of this before I got it bundled with my Insurance

Greenlight, and its the same with the keyring, £10 reward

Some pics





Any key on that keyring is covered

I'd be surprised if you get any money back from the landlords. I'm a property manager for 300 landlords and this is a personal matter I'm afraid

Fair play if you do though...

ha! my dad had one of them decoy and the plastic bit on the back came off with the number on!

Sorry to hear about this, at least you alright though.

I hear what your saying about the RS insurance, I got a reasonable quote, £1200, and then noticed the excess was £3250! No thanks, best I can find is £1600 with a £600 but thats not fantastic.