Question Author
The lady PC at the cop shop suggested house insurance for the house keys and the car insurance for the car keys, but I've not yet checked that out. I just got the house one cut anyway.
I have protected NCB for the car, but as other road users get worse and worse every day, these days, I'm unsure a claim is useful as who knows who'll hit my car next. Especially if one has to pay an excess anyway. I've had hit & run drivers on my parked car, and some other idiot who stopped without clear reason so I had to stop behind him, and then he reversed into me having claimed not to see me, not so long ago. Driving is getting to be a nightmare for some reason, they seem to be letting all sorts of idiots on the road. No sense, no courtesy. But that's another issue. I'll try to find the enthusiasm to look it up later: meanwhile I'll continue to hope they'll turn up unless I find a "bargain".