Keyless entry has been a boon for auto thieves. But digital keys could give them a run for their money.
So, do the advantages of this emerging keyless technology outweigh the drawbacks? We’ll explore how digital keys work, how effectively they safeguard your vehicle from thieves, and what impact, if any, they have on your car insurance.
What is a digital car key?
A digital key is a technology that allows you to lock, unlock and start your vehicle using an app on your smartphone or another connected device. It replaces traditional physical keys and fobs.
How do digital car keys work?
Using a digital key is straightforward. You download the car manufacturer’s app to your smartphone and register your vehicle. Once set up, your digital key will pair with your car using wireless technology protocols, enabling communication between the two.
With a digital key, you can unlock your car simply by being near it, though with some models, you must hold your phone against the door handle. When you leave your vehicle, it automatically locks.
To start your engine, place your phone in the location specified by your car manufacturer — usually the wireless charging tray — and push your vehicle’s start button. With some models, your car will start instantly.
Depending on your vehicle model, you can also adjust the seats and mirrors, set speed limits, and fine-tune the radio and climate control settings with your digital key. You can also share access to your car with family and friends by sending them your key via email, text, or a messaging app.
How do digital car keys differ from fobs?
A key fob is a remote-control device that communicates with your car using radio-frequency identification (RFID). When you press the button on the fob, it generates and transmits a code to your vehicle via radio waves. Once your car lock validates the code, it unlocks the door. Key fobs run on batteries, so they won’t function if the battery depletes. They can also malfunction if the internal components become damaged.
Digital keys authenticate access to your vehicle using three types of technologies: New Field Communications (NFC), Ultra-wide Band (UWB), and Bluetooth Low Energy (BLE). Some car models rely on one type, while others combine all three; UWB is regarded as the best of the bunch due to its precise location tracking capabilities, robust security, and low power consumption.
Are digital keys safe?
Digital key technology is still in its infancy, so it’s tough to say how well it can prevent thieves from stealing your car. However, digital keys provide better overall security thanks to advanced communication technologies, such as UWB and BLE, compared to standard key fobs.
Of course, if someone were to get a hold of the smartphone that stores your digital key, they would have a much easier time accessing your car. However, you can minimize this risk by setting up biometric locks or using a strong password. As an added safety precaution, you can deactivate your digital key remotely should you lose your smartphone.
Do digital keys affect your insurance premium?
Currently, there’s no evidence that digital keys affect insurance premiums one way or the other.
The slightly higher premium could simply be due to the higher price tag, or inflation on the cost of repairs, or a wide range of other factors. The digital key itself may not be a determinant at all. However, as digital keys become more ubiquitous and their impact on vehicle safety and security becomes apparent, they may become a factor that insurance companies use to determine how much you pay.
Digital keys offer compelling advantages, including convenience, versatility, and robust security features. They’re considerably safer than fobs, provided you’re comfortable using the technology and you know how to secure your smartphone properly.
If you have concerns about how digital keys and other emerging vehicle technologies will affect your auto insurance premium, contact your insurance provider to learn about your policy’s terms.
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