….What exactly is Your Key?
Your Key is an after-accident support club for you and your family.
Your Key arranges the services you will need after an accident, and provides free accident legal expenses insurance so you can recover for injury and loss when someone else is to blame. Our protection covers any accident, is not limited to just one vehicle, and includes your family*, plus pillion riders and passengers.
….Where did we come from?
Your Key was developed to answer the needs of those unfortunate enough to be involved in accidents. After an accident there are services you need, but where do you start, and which do you trust? Your Key gives the answers.
Free after-accident 24/7 help line
As a member make your first call after any accident to 08000 114 114. Our friendly trained operators will then guide you and provide access to our services.
Free accident legal expenses insurance
As a member you have an accident legal expenses policy in place at no cost. This insurance includes your family*, plus pillion riders and vehicle passengers. The cover is for any accident, so any activity, and is not limited to one vehicle. We renew your membership and this insurance each year without cost. Therefore you do not need to buy this insurance when insuring your vehicles in the future. You could save as much as £25 on each vehicle every year.
Is free accident legal expenses insurance possible?
It is free to you as we pay the premium. We can do this as we earn commission when the after accident services are arranged. These are the commissions which your insurance company or broker would receive. The difference is that we package the insurance and services together, and make no charge.
Membership cards
Our earliest members have key ring cards so our help line number is close at hand. With or without a card make sure our number is saved to all phones used by your family group as “accident” - 08000 114 114.
Services available:
- Recovery ** of a vehicle after an accident.
- Replacement** by hire while your vehicle is repaired.
- Repair** can be quickly arranged by our operators.
Legal help is at hand as we will arrange for an experienced solicitor to act for you and recover compensation with the backing of your insurance.
Extensive cover
It is worth repeating that your accident legal expenses insurance extends to your family, pillion riders, and vehicle passengers. It covers any accident, whether at work, in a public place, playing sport, or on the road.
You may have some of the component parts of our service through other arrangements you have in place, but without Your Key you will not have everything you need without cost, and on one free telephone number. We will guide you by identifying your needs, arranging the services you need, and sorting out the expense through a compensation case supported by the free insurance policy. 0800 0 114 114 is the only number to call after an accident.
*Family means your spouse or partner, and children living with you up to 21 years of age.
**You will be asked to pay for recovery. If the accident was not your fault the expense can usually be claimed back. Payment for hire and repair depends on who is at fault. Our first priority is to give you access to the services you need, when you most need them. If an accident is your fault, you or your insurer will have to pay, but through our freephone number we allow you to access the services you need.
Feel free to make comments or ask questions below. Those of general interest will be anonymised and made available to all to see.
Comments
Post your comment
![[your key]](http://www.yourkey.info/frontend/wordpress/wp-content/themes/frontend/images/header_left.png "Go to the Your Key home page")
August 9th, 2008 at 6:20 pm
Query - I have not received any information in the post this year - but received an email with new policy number. Bit worried - as I have bought
insurance without legal cover. Can you send me an email and my key card in the post. Thanks. Phoebe
Phoebe, there is no need to worry, as your policy and Your Key membership are automatically renewed each year. We do not trouble you at renewal time. All you need do is make sure we have your current details. New details can be provided on the your details page of this website.
You are one of our original members and have a card for your key ring. We are not sending them out at present, so hold on to yours as it has our phone number - 08000 114 114.
Mark for Your Key
August 12th, 2008 at 5:46 pm
> Query - I live on the Isle of Man, do your services extend over here? And if so, will you provide local support, as we have a slightly different legal system? Thanks, Chris.
Well spotted Chris. The Isle of Man is outside the cover of our legal insurance as the legal system is different. We cover the UK and Channel Islands, but not the Isle of Man. We can provide the after accident services though, so do keep our number close to hand - 08000 114 114. Thanks for your question. Mark for Your Key
October 8th, 2008 at 9:32 pm
Could you please explain if I was to have an accident and it was my fault I would have to pay the excess on my insurance policy and that is all. By using your key what other (if any) expenses would I incur and would I be liable for repairs/compensation to any other party. thank you
October 9th, 2008 at 1:59 pm
Good question thanks Ray.
You must have an insurance policy to cover your liability to others – third party insurance. To cover yourself you can add fire and theft, and beyond that take comprehensive insurance.
Comprehensive as a word means everything, but as an insurance term it is misleading. You only have the cover you buy. Usually that means your vehicle is insured for its market value at the time it is damaged. If you want the price you paid, “new for old,” you have to spend more on GAP insurance. Your clothing, helmet, and possessions may be covered, but again check the fine print. As we seek cheap insurance we cannot be surprised if the cover is limited.
You ask what is the score if you are involved in an accident which is your fault? First get our help to decide if you are actually at fault. It is usually a common sense decision, but sometimes you can miss the obvious. The answer is that you are responsible for the cost of all involved. Your insurance will pay the third party losses, and you pay the excess if one applies, and what you can claim for your loss depends on your own cover. If you are third party only you are entitled to nothing. If comprehensively insured your machine will be repaired or written off, and its market value at the time will decide the payment. Beware if you underinsured, as you will not get market value then.
Your Key gives you an advice service, and independent advice is valuable. The legal cover is free, but it will only support a compensation case for you, or a family member, if you have a reasonable case. If we arrange services, and you have no one to blame, then you or your insurer will have to pay. We work hard to make sure the price is competitive. If you are to blame Your Key will advise and weigh up the options with you, but the services like hire and repair have to be paid for. Our guidance can be very valuable, as you will need independent and experienced help.
November 6th, 2008 at 10:19 am
excuse my ignorance but how am i a member is it through some other insurance policy i have ? Or is it something i am unaware of ?
Hi Paul,
I will answer in QandA style to help others grasp the detail.
Q: Why have I been offered Your Key membership?
A: You obtained an insurance quote online and might have missed the offer of free legal expenses insurance just for taking that quote. The
insurance is brought to you by Your Key, and taking a quote was enough. It does not even matter if you bought insurance, or do not yet
have a vehicle.
Q: What does my membership of Your Key give me?
A: Your Key is an after accident support service which delivers all the services you will need if you are unfortunate enough to be involved in an accident. These services include vehicle recovery, hire and repair, plus the legal expenses insurance necessary to fight for compensation without fear of legal fees.
Q: What is legal expenses insurance?
A: It covers the legal fees if you have to bring a compensation claim after an accident. It is also called legal cover or legal protection.
Q: How can the insurance be free?
A: It is free to you as Your Key pays the premium. If our after accident services are used by members we earn commission. We do not
increase the costs after an accident, we simply provide the services in a convenient package through our freephone number, 08000 114 114.
I hope that helps, and do go to http://www.yourkey.info/faqs for more.
Mark for the YourKey team.