Confirm the trigger
Lost, stolen, damaged, and inoperative keys may be treated differently. The agreement should define the covered event and required documentation.
Commercial key replacement
Key replacement protection for vehicles that cannot miss the next job.
Commercial key replacement options for eligible work vans, service trucks, pickups, and fleet vehicles.
Request a Key Replacement Review →
Modern vehicle keys and remotes can be costly to replace, program, and deliver—especially when a work vehicle is stranded away from its normal service location. Commercial key replacement protection may help with defined lost, stolen, or damaged keys and related benefits, subject to the actual agreement.
Program focus
- Eligible vehicle keys and remote transmitters
- Programming or replacement benefits where included
- Lockout or roadside benefits where included
- Commercial-use eligibility review
- Per-event and aggregate benefit limits
What matters
A program should fit the operation—not just the vehicle.
Know the benefit limit
Replacement cost, programming, taxes, delivery, towing, lockout, and additional keys may have separate limits or may not all be included.
Plan the response
A benefit is more useful when drivers know whom to call, whether prior authorization is required, and where duplicate or replacement keys can be produced.
Understand what each product is designed to do.
| Protection | Designed to address | Important distinction |
|---|---|---|
| Key replacement agreement | Defined eligible lost, stolen, or damaged vehicle keys and remotes | Benefits, event limits, aggregate limits, and exclusions are contract-specific |
| Roadside assistance | Defined lockout, towing, jump-start, fuel-delivery, or tire services | May provide access without paying for a replacement key or remote |
| Commercial auto insurance | Covered insured losses involving the vehicle | Routine key loss or replacement is not automatically an insured loss |
Fleet review checklist
- Record the administrator contact and authorization procedure in each eligible vehicle.
- Confirm whether replacement must be completed by a dealer, locksmith, approved facility, or mobile provider.
- Keep proof of ownership, vehicle identification, receipts, and any theft report required by the agreement.
Frequently asked questions
Does key replacement cover every lost commercial vehicle key?
No. The agreement controls vehicle eligibility, covered events, replacement procedures, documentation, benefit limits, exclusions, and the number of claims or replacements allowed.
Are programming charges included?
They may be included when expressly stated, but programming, taxes, delivery, towing, locksmith service, and related charges can have separate limits or exclusions.
Is key replacement the same as roadside assistance?
No. Roadside assistance may help with a lockout or tow, while key replacement may address an eligible replacement key or remote. Some agreements combine selected benefits, but the terms must be reviewed.
Can commercial fleets use a key replacement program?
Potentially. Availability depends on the provider, vehicle, commercial application, state, enrollment method, and other program requirements.
Prepare for a breakdown in this application.
Keep unit-level records for the actual duty cycle and installed equipment. Before authorizing work, confirm the contract’s administrator, facility requirements, and separate diagnosis and repair approval steps.
Key benefits are defined by the agreement.
Key replacement availability and benefits vary by provider, program, state, vehicle, commercial use, event, documentation, and enrollment method. Limits, deductibles, prior authorization, approved-provider requirements, exclusions, and aggregate maximums may apply. Review the signed agreement before enrollment or service.
Start the conversation
Reduce the disruption of a missing vehicle key.
Tell us about your fleet, vehicle types, driver model, operating territory, and current roadside process. We will identify commercial-use key replacement options that may fit.