Does my insurance cover a locksmith from australia in 24 hours?
The keys. Those small objects that are lost or forgotten so easily, almost inversely proportional to the importance they have. It’s funny how Murphy’s law works : the more you need them, the more likely they are to be forgotten inside the house.
We have already seen that this is often the case with car keys, but those at home are not left behind in the frequency of loss. It is a matter of statistics: the objects that we use the most are those that are more likely to be lost. And with the keys, which we take daily, just leave them in an unusual place to forget them.
It has happened to all of us. One of the best solutions is to create a habit of leaving the keys always in the same place when we enter and leave home, so losing them will be more complicated. But if it happens to us and the keys have been left inside the house, put in the lock, or have been lost outside, we may have to request the services of a locksmith 24 hours to be able to re-enter our home.
The fees they charge are expensive and are usually around 100-200 euros depending on the time we ask for their help. However, the good news is that in several cases your services are covered by insurers.
Insurance covers pascoe vale locksmith services as long as it is not the deterioration or malfunction of the lock. This means that if we leave the keys inside; if we lose the house keys; if they are stolen or they force the lock on us (even if they seal it with silicone), we can ask our insurance to reimburse us for the amount.
However, if there have been external causes such as the lock has stopped working due to deterioration; that we want to change the lock to increase safety or aesthetics; or that the key is too hard and does not turn, they will be costs that we should assume.
Before calling a locksmith, it is appropriate to consult with your insurer to know how to proceed. If you have a MAPFRE Home Insurance , you are in luck, because they have their own locksmiths who will go to your house as soon as possible and they will solve it without having to pay a single euro.
So the fundamental reason for requiring a locksmith is usually determined by the urgency we have. The insurers’ own equipment is a good option if there is no hurry and we can wait, especially because the cost is already covered. But if there are children locked inside or food in the fire, with the risk of fire, it is better that our specialists arrive as soon as possible and we can summarize our life normally.
It is always annoying to have to wait for a locksmith, we feel clumsy for having forgotten something as basic as the keys. But do not despair, you have anybody and you will not be the last person to be locked away from home.