Surf key lock

brett028's picture
brett028 started the topic in Thursday, 31 Oct 2019 at 9:18am

I’ve had my car stolen while out surfing on the Goldy with my key in a surf key lock locked up underneath my car. My Insurance are now saying I’m not covered because the key was still in the vicinity of the car.
I know a lot people use these locks and need to know this for their own vehicle.

udo's picture
udo's picture
udo commented Thursday, 31 Oct 2019 at 9:37pm

Na...they having a lend..surely they have to prove the Key you had in the surf key lock was used to start the car
People get there cars stolen from there driveways after the thief has taken the keys from inside there house....only metres away
jono ...they tried on with you eh....But paid you out months later ?

Who is the insurance company ?

greyhound's picture
greyhound's picture
greyhound commented Thursday, 31 Oct 2019 at 9:50pm

Scumbags hey! As are the thieves..
Never used one in 25 years of drurfing. However probably says more about the cars I’ve owned..

geek's picture
geek's picture
geek commented Thursday, 31 Oct 2019 at 10:22pm

Heard lock box’s are being targeted on surf coast too. I’m going to get one of these https://www.uncuttable.com.au/our-products/wide-grip-uncuttable-lockbox....

linez's picture
linez's picture
linez commented Thursday, 31 Oct 2019 at 10:52pm

Sorry to hear mate...
I'm looking at upgrading my car next year and a wet-key solution is a priority, for sure. Surely there has to be an answer to what you do with your keys whilst surfing in this day and age.....

udo's picture
udo's picture
udo commented Thursday, 31 Oct 2019 at 11:01pm

swellnet /Smart Key pretty dumb by Stu from a few years back
bit more info

linez's picture
linez's picture
linez commented Thursday, 31 Oct 2019 at 11:45pm

Thanks Udo, yeah I remember that. Doesn't seem to be much advancement beyond what was already mentioned in the comments. You would think that with all the tech invested in new cars and the amount of people who surf/swim or whatever, that there would have to be a solution somehow

linez's picture
linez's picture
linez commented Thursday, 31 Oct 2019 at 11:54pm

I also think that insurance companies would know this, so relying on them to cover you, as in Brett's case, is risky at best.

Jono's picture
Jono's picture
Jono commented Friday, 1 Nov 2019 at 6:30am

Hey Brett, as udo mentioned I've got first hand experience with this. I posted the following in a thread last year:

Last year I had my car stolen from Cooly. I was using a surf lock and they stole the car and drove it straight to Currumbin Valley and set it on fire (like within 15mins, they didn't even stop to use my cards in my wallet). Also, we'd just moved to the Tweed Coast so we had tried to sell it before leaving (about a month earlier), but then changed our minds and decided to keep the car - so this set off some massive red flags for the insurance company. They were very suspicious, they had a proper investigator spend a couple of months going through our lives, multiple interviews with me, detailed investigation of mine and my wife's finances and phone records, interviewing local relatives & friends, guy that worked at Greenmount cafe (who helped me with phone, dry clothes etc), girl that sold me the surf lock etc. We started to get the feeling that they were going to deny our claim. But in the end they approved it, I think because I had made a reasonable attempt to secure the vehicle, and the investigator must have worked out that we weren't doing a scam. 

brett028's picture
brett028's picture
brett028 commented Friday, 1 Nov 2019 at 7:50am

They Police have the car now and have just caught the guy. There was a battery grinder in there, so I’m guessing that’s how they got it off and open. The cars a mess and painted a different colour. Budget Direct emailed saying “Your claim is currently under review due to the conditions of cover not being met under your policy which is outlined in your Product Disclosure Statement on page 14.

ojackojacko's picture
ojackojacko's picture
ojackojacko commented Friday, 1 Nov 2019 at 1:21pm

bastards. but you gotta read the fineprint with insurance because you know they will use it against you

there are youtube vids out there on how to break into those key locks (which i use all the time btw - the locks not the vids) and apparently cars using them were being routinely broken into on the NBs of syd about a year or two ago (read it on swellnet iirc)

an affordable, properly-secure option would be good to have

garyg1412's picture
garyg1412's picture
garyg1412 commented Friday, 1 Nov 2019 at 1:51pm

Some vehicle manufacturers are better than others with bright ideas but probably never had surfers in mind. My Toyota is a push button start but has a little manual key that unclicks from the main electronic case which I would never have known about if the dealer hadn't shown me. So you can lock everything up and put the detachable key in your wetsuit pocket. Might be some of you Toyota owners out there that are unaware of this so check it out.

Pops's picture
Pops's picture
Pops commented Friday, 1 Nov 2019 at 2:23pm

I've driven hyundais and hondas that have the same detachable key system.

kbomb's picture
kbomb's picture
kbomb commented Friday, 1 Nov 2019 at 4:36pm

I get my key cut and put in in my legrope leash key pocket. The key only opens the door, not start the car. I keep the real car keys in the glove box when in the water.

udo's picture
udo's picture
udo commented Friday, 1 Nov 2019 at 4:42pm

In the glove box....he he

pointy's picture
pointy's picture
pointy commented Friday, 1 Nov 2019 at 6:43pm

You should check your insurance policy before using lock boxes

I'd heard about claims not being paid because people used them and so I got my company to check out their policy and I was told that it was ok for me to use the lock box

Read the fine print I suppose.....

brett028's picture
brett028's picture
brett028 commented Saturday, 2 Nov 2019 at 9:29am

The insurance company don’t say you can’t use a lock box in their PDS but they do say this “you or the person in charge or control of the car, lock the car, activate any required security devices and remove all keys from within, on, or in the immediate vicinity of the car when it is left unattended for any period of time”
I’ll be fighting it that’s for sure, this is why we pay for insurance.

Jono's picture
Jono's picture
Jono commented Saturday, 2 Nov 2019 at 11:34am

Hopefully you get it sorted. I stopped using a key lock, and now have a separate key that is waterproof, and leave my regular key in the car when surfing. But it sounds like this might go against some policies too so I'll have to check my insurance policy I think.

crg's picture
crg's picture
crg commented Saturday, 2 Nov 2019 at 1:36pm

I've used the same method for twenty years. Car unlocked with the key in the ignition and window down. Never had anything stolen. Serious.

I'm not cheap,
But I'm free.

freeride76's picture
freeride76's picture
freeride76 commented Saturday, 2 Nov 2019 at 2:18pm

hahahah, thats my level of security too. but I drive shitboxes.

stunet's picture
stunet's picture
stunet commented Saturday, 2 Nov 2019 at 2:30pm

I can't even lock my car. Reading threads like this makes me jealous.

Craig's picture
Craig's picture
Craig commented Saturday, 2 Nov 2019 at 2:32pm

Should see the state of hire car keys after a week of burying them in the dirt or sand haha. Personally have a second surf key cut and put it in my wetty. 

bahgoogen's picture
bahgoogen's picture
bahgoogen commented Saturday, 2 Nov 2019 at 4:18pm

for anyone else struggling with what to do with a new electronic key, i've been using this waterproof key case for a while, and hasn't failed me yet.
https://keebunga.com/

It is large, only just fits in my wetsuit key pocket, but it works, and i don't have to worry.

etarip's picture
etarip's picture
etarip commented Saturday, 2 Nov 2019 at 9:45pm

Get one of the larger, but waterproof, plastic key boxes that will just fit your electronic key in it. Then get one of those “spy-belt” style neoprene running clip things. Zip box into belt, clip belt around waist. Key/ box goes in small of your back. Put wettie on.

Not sure how it would go with boardies. Assuming OK, just never done it.

https://www.rebelsport.com.au/p/spibelt-running-belt-osfa-black-black-46...

curly2alex's picture
curly2alex's picture
curly2alex commented Thursday, 7 Nov 2019 at 8:12pm

If you leave ignition key in car insurance will not pay if it gets stolen. If you have gone to the effort to buy a surf lock then you have taken all reasonable steps and they will/must pay. I know ;)

curly2alex's picture
curly2alex's picture
curly2alex commented Thursday, 7 Nov 2019 at 8:18pm

They will pay mate. Don’t put up with delaying tactics. You took all reasonable steps. Make sure to claim for interest if they string you out too long as well, as well as your broken surf lock(car accessories). ;)

tubeshooter's picture
tubeshooter's picture
tubeshooter commented Friday, 8 Nov 2019 at 10:47am

Leaving the key in my ignition won't help a thief .You would need to know the exact sequence of little tricks to get her started and keep it running. The old beast must have a commodore64 running the engine management system. Do not touch the raise radio aerial button in my car,, all hell breaks loose

brett028's picture
brett028's picture
brett028 commented Friday, 8 Nov 2019 at 5:07pm

I hope your right @curly2alex , I just tried calling again, every time I call Budget they say the officer can’t make it to the phone or is too busy today, they will call back the following day, they never have once.

curly2alex's picture
curly2alex's picture
curly2alex commented Saturday, 9 Nov 2019 at 10:34am

Brett. Take photos of all the cars done beach with surf locks on them. Ask what alternative you could have used. They have 14 days to decide to pay or not. If not then dispute all way to ombudsman. All comes down to what a reasonable person would do. Don’t stress...they must pay :)

GuySmiley's picture
GuySmiley's picture
GuySmiley commented Saturday, 9 Nov 2019 at 10:52am

Brett, dont how the full extent of your case but I would If you haven’t already (1) immediately start a diary of all past and future communication to/from your insurance company (2) if you speak to anyone always ask for a reference number for the call - note that number down in your diary (3) try to only communicate with the insurance company via email (4) make enquires of your rights with the insurance ombudsmen and with the local small claims tribunal. If you need to go to the ombudsmen the diary And emails will form your evidence.

....... used a surf lock for awhile but only put a rock in it, always hide my keys out of sight under a bush or even bury them in the sand inside a plastic Box from the supermarket ...... and always park in the most visible spot .... we had a spate of cars broken into a few years back, maybe upwards of 15, he was caught, turned out to be a pensioner in his 60s

brett028's picture
brett028's picture
brett028 commented Monday, 11 Nov 2019 at 11:40am

Thanks for your info mate, appreciate it.