Tips to keep your car secure and information on how approved alarms, immobilisers and tracking devices can lower your insurance costs.
Making sure your vehicle is protected against theft can impact on your car insurance premiums. Many insurers offer discounts for cars fitted with alarms, immobilisers and tracking devices.
Immobilisers are seen as the best deterrent to the car thief
Here are some tips on how to keep your car secure:
Insurance companies will sometimes insist a car has a certain level of security on it before they will offer insurance cover for it.
For example, if you drive a Porsche 911 worth over £60,000, you may need to install a tracking device before you can get insurance for it.
Even fitting an alarm and immobiliser to a mid-priced family car may mean a discount on your insurance as it reduces the risk of the car being stolen.
Newer cars usually come fitted with a factory standard alarm/immobiliser.
Older cars are more easily stolen as they have little or no security fitted, so it may be worth upgrading an older security system, or fitting an immobiliser to increase security.
To ensure you get the best from your security system, you should fit a Thatcham approved system.†
Thatcham provide the industry standards for safety and quality, so insurers will often only recognise Thatcham approved systems.
Should you opt for a telematics policy, it is possible that the black box used in your vehicle to monitor your driving performance will also act as a tracking device
A tracker is a device that is fitted to your car and linked to a control centre.
If your car is stolen the police are advised where it is, so it can be quickly recovered.
This means that the risk of the insurer having to pay out for your car being stolen and not recovered is greatly reduced.
Should you opt for a telematics policy, it is possible that the black box used in your vehicle to monitor your driving performance will also act as a tracking device.
As the price of the black box is often factored into the cost of your insurance premium, this can be a cost-effective option for getting a tracker for your vehicle.