@swwchris Any claim would significantly affect certainly the first years premium of any private car insurance, until you start building up no claims history again. It used to be that many insurers would honour up to 3 years no claims history earned on a Motability vehicle, which gets you, from memory, about a 40-50% discount over a first year premium with zero no claims. It may be that some insurers will honour even more than that now, but the first 3 years are the critical ones to eliminate the bulk of the weighting. @Mossfinn Good call about key cover. I wonder if some house and contents insurance covers lost keys, or even protection that you get with some bank account benefits? Thankfully I’ve never lost a key so haven’t had to investigate it, but would be worth a look.
Thanks, agree thumbs up for the clarification