Key Replacement Protection
Lose Your Key?
Replacements Can Cost $500+.
Key Replacement covers lost, stolen, or broken keys with $0 out-of-pocket.
$0 Out-of-Pocket
No deductible on covered replacements
Smart Keys Included
Fobs and push-start keys covered
Why This Matters
Modern Keys Aren’t $10 Anymore
Most keys need dealer programming.
That’s where the cost comes from.
- Transponder keys: $200–$300
- Smart keys/fobs: $300–$500
- Luxury keys: $400–$600+
- Lockout service: $75–$150
What You Get
Covered. Clearly.
If you lose it, break it, or it’s stolen—you’re covered.
Covered
- Lost keys
- Stolen keys
- Broken keys / fobs
- Programming / reprogramming
- Lockout service
- Duplicate key (if you only have one)
NOT Covered
- Keys lost before coverage started
- Aftermarket keys (OEM only)
- Keys for vehicles not on your policy
- Keys you gave away or lent out
The Math
Without vs. With Total Loss Protection
This isn't theoretical. You lose your key. You need a replacement programmed by the dealer. You're looking at $350+ out-of-pocket.
Without Key Replacement
❌
Pay $350 for new smart key
❌
Pay $150 for programming
❌
Pay $100 for locksmith if locked out
❌
Total: $600 for one incident
With Key Replacement
✅
Covered replacement
✅
$0 deductible
✅
You don't pay out-of-pocket
How It Works
Keys Covered in 3 Steps
STEP 1
Get Your Quote
Your price depends on your vehicle.
STEP 2
Drive Like Normal
If you lose your key or get locked out, you're protected.
STEP 3
File a Claim
Online or phone, 24/7. You pay $0 on covered replacements.
REAL Claims
Real Vantage Customers Who Used Key Replacement
These are actual customers whose coverage paid off:
2023 Toyota Camry
What happened
Lost his only smart key at the gym
Dealer quote
$425 (new smart key + programming)
What he paid
$0
Tom R.
Clinton, NJ
2021 BMW X5 (leased)
What happened
Key stolen during a break-in. Needed replacement + reprogramming for security
Dealer quote
$575 (BMW key fob + advanced programming)
What he paid
$0
Cynthia M.
Westfield, NJ
Pricing
What Key Replacement Costs
Your price depends on your vehicle type and coverage term.
Standard Vehicles (Most sedans, SUVs)
- 24 months: $95–$145
- 36 months: $145–$195
- 48 months: $195–$245
Luxury/Premium Vehicles (BMW, Audi, etc.)
- 24 months: $145-$195
- 36 months: $195–$295
- 48 months: $295–$395
Common Questions
Depends on your vehicle and coverage term. Standard vehicles run $95–$245. Luxury vehicles run $145–$395. Get your exact price with a quote.
Yes. You can add protection anytime as long as you currently have at least one working key.
Lost, stolen, or broken car keys and fobs. Includes:
- Smart keys and key fobs
- Transponder keys
- Key programming and reprogramming
- Lockout service if keys are locked inside
- Duplicate key if you only have one
Not covered: Keys you gave away, aftermarket keys (must be OEM dealer keys), keys lost before coverage started.
No. $0 deductible on covered replacements.
- Lose/break your key (or get locked out)
- Call our claims line or file online (24/7)
- Get approval (usually within 24 hours)
- Get replacement key from dealer or locksmith
- You pay $0 on covered replacements
For smart keys and fobs, you'll need to go to the dealer because they require programming. For lockout service, we'll send a certified locksmith to you.
Covered. You can get two keys replaced if needed (though most people only lose one at a time).
Usually 2-4 business days. The dealer has to order the key, then program it to your specific vehicle. If you're completely locked out, we'll get a locksmith to you same-day.
You choose: 24 months, 36 months, or 48 months of coverage.
This is exactly why lessees get this protection. Losing a key and not replacing it can result in $500+ penalties at lease turn-in. Key Replacement prevents that.
Yes. Unused coverage is refundable on a prorated basis if you sell the vehicle.
Most people who lose keys wish they had this coverage. If you lose one of your two keys, replacement still costs $200–$500. With coverage, it costs $0.
Covered. We'll get a locksmith to extract the broken key and provide a replacement.
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Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
Joseph Bestreich
This was the best experience i've had in buying a car. it was painless, easy and i know i got a good deal. Thank you Elka for making buying a car a great experience and one I no longer dread.
This was the best experience i've had in buying a car. it was painless, easy and i know i got a good deal. Thank you Elka for making buying a car a great experience and one I no longer dread.
Orly Steinberg
Rodney Brown
I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,
I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,
Martin Blaustein
Lina Suarez
S/O to Oscar and his team! They put me in the exact car I wanted for a great price in less than 3 days in the next state over. I’d highly recommend to anyone in the market to purchasing a new car.
S/O to Oscar and his team! They put me in the exact car I wanted for a great price in less than 3 days in the next state over. I’d highly recommend to anyone in the market to purchasing a new car.
Melanie Escudero
David Alesso made the impossible happen! My family grew & my SUV got very small FAST but I still had a year left on my lease. This was my 2nd time using Vantage Auto Group & David worked a miracle! Yet again, everything was very seamless & easy & my Telluride was delivered right to my door!
David Alesso made the impossible happen! My family grew & my SUV got very small FAST but I still had a year left on my lease. This was my 2nd time using Vantage Auto Group & David worked a miracle! Yet again, everything was very seamless & easy & my Telluride was delivered right to my door!
Jennifer Silver
Daniel Tichio
Douglas McGreal