hi i lost my key to my fabia its an 11 plate..whats the best and cheapest option to get a new one please ?

I lost a key and fob for a 55 plate Skoda fabia estate but had the key reference number but it's not a cheap option it cost me £120 plus having the key coded to the car which was another £30. I was lucky I had a credit card protection policy which covered lost keys but if it's a lot more expensive you may be able to claim off your house insurance. This was about 8 yrs ago Joe