Car key replacement cover

My car insurance advisor is keen i take a key replacement cover. I am wondering if it is useful or just a marketing gimmick.

Hi,

Keys of cars today are automated and are made with robotic engineering to offer greater security. So losing your ignition key can be a costly affair and can run into thousands, to get a replacement. Car keys can be lost, misplaced or stolen. In any case, with a standard insurance policy you do not get full replacement cover for the ignition keys.

If you have a key replacement add-on cover, you can save yourself from the high cost of key replacement with a small annual additional premium.

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Cheers,
BB Expert