There is no better way to be protected than to have extra keys to the things you own, and this also helps with transponder key programming. Rather than waiting to lose your keys, you should get a new one made while you still have a spare. Once you postpone until an emergency, you will be strapped for time. This is then likely to require more time, as more services will be required. Preparedness is security, so always fight to be prepared for what the world is going to throw at you.
