So, having taking out the full recovery policy from the RAC for £290 including key replace service, I had the unfortunate misfortune to lose my car key. No problem, I thought, having taken a policy worth at least double the price of replacing my key. "Not so" said RAC, "you were careless! Where did you lose it?". Now I don't know about you, but if I knew where I lost it, it would not be lost. The Oxford dictionary states lost as "unable to be found" and "that has been taken away or cannot be recovered" which indeed describes my car key. RAC cover states "Avoid the unexpected cost of replacement keys if yours are lost, stolen or broken (sudden, unforeseen and unexpected breakage only)" and "We'll provide The cost of replacing lost, stolen or broken house/car keys" It is a lie. Take my advice. Don't find yourself in the same situation as I did. They will do everything they can to weasel out of every claim. I also broke down last year and onward travel was declined at the site of the breakdown, and it was not until I got home and checked my policy and complained that they arranged a hire car. Had I not have pursued it they would not have helped. RAC should be ashamed. Please do yourself a favour, and go elsewhere at a fraction of the cost.