The Answer is YES. Most of car insurance company cover your lost keys. e.g. If you only had 1 x smart key , then lost all… If you had 2 x smart key, then lost 1 x key… The insurance company will cover these cases.
AA Insurance: If your claim is under $1,000, you won’t need to pay any excess. more info : https://help.aainsurance.co.nz/hc/en-us/articles/360000981636-Are-my-car-keys-covered-under-my-policy-
State Insurance : Car keys lost or stolen? Ouch. But it’s okay. We’ll pay the reasonable cost to replace them. Plus, for a claim of $300 or less you won’t have to pay an excess.
More info : https://www.state.co.nz/blog/car-insurance
In some cases, you can claim your stolen or lost car keys on insurance, but some providers require you to buy additional keys auto insurance coverage. It’s depending on your insurance condition, but You can still try to ask your car insurance. Note : *This information is intended as a guide only.
https://www.jdm-parts.co.nz/can-i-claim-my-lost-car-keys-on-insurance/?feed_id=103080&_unique_id=668f87d2f3ad1