it hardly takes 10 minutes to make a new key for lock master.
recently lost key of BRV on saturday evening, Honda was asking 25k i guess, lock master took 13k for coming to my place and making the exact immobilizer key fron scratch, key programming took hardly 3 4 minuts, rest of time was taked to cut the ket as he had to do it all manually, would take lesset time if he had cutting machine with him.
in simple get a comprehensive insurance, dont rely on immobilizer.