🏠HousingUpdated: May 2026

🔑 Lost keys — what now?

Direct answer

On lost keys act fast: (1) Search + report: verlorenofgevonden.nl or ilost.co for your city. (2) Suspect theft: police report 0900-8844. (3) Inform landlord/VvE: rental landlord often requires lock replacement. (4) Replace locks within 24 hours: insurance requirement for payout. Certified locksmith (~€150-400). (5) Call insurance: contents with burglary clause often covers €800 for replacement. Get quote first — emergency rate eve/weekend high (€200+).

Lock change

Within 24h

Insurance

Up to ~€800

Mark

SKG locksmith

Step by step

1
Search + report finding
Retrace steps, call locations. Report at verlorenofgevonden.nl + city Lost Property Office.
2
Report theft to police
Police 0900-8844 or online. Report number needed for insurance + lock-replacement claim.
3
Inform landlord or VvE
Mandatory for rental. VvE for apartment: shared lock? Manager arranges replacement.
4
Call insurance
Check contents policy for “key + lock replacement”. Bunq/Centraal Beheer/Univé often have good coverage.
5
Locksmith with fixed price
Agree fixed price BEFORE arrival. “SKG” locksmith mark recommended. Avoid scam emergency rates.

All contacts

Verlorenofgevonden.nlNational lost+found portal

First step

🔗 verlorenofgevonden.nl

Gemeente Bureau Gevonden VoorwerpenLocal registration

District level

📞 14 020 🔗 amsterdam.nl

Politie aangifteOn suspected theft

For insurance claim

📞 0900-8844 🔗 politie.nl

Erkende slotenmaker (SKG)Lock replacement + emergency

Within 24h of loss

🔗 skg.nl

Eigen verzekeraarContents claim lock replacement

For prior approval

📞 verzekeraar

Frequently asked questions

Can I delay lock replacement?

Insurers often require replacement within 24h on theft suspicion. Late = no payout. Plain loss (no theft suspicion): less strict.

What does replacement cost?

Standard lock ~€150-250. Premium SKG-3 cylinder €250-400. Emergency rate eve/weekend +50%. Get fixed price first.

Who pays in rental?

Plain loss: tenant. On burglary/theft: tenant claims via contents insurance. Landlord covers building part. Specific terms in rental contract.

Sources

🔎 Common search queries

Recognise your own search? Our answer above covers all of these variants.

“lost keys insurance Netherlands”
“lock replacement 24 hours NL”
“SKG locksmith Amsterdam”
“verlorenofgevonden keys”
“spare key emergency cost”