CategoriesCar Insurance

The Impact of Car Security on Insurance Premiums


Car insurance premiums are influenced by a variety of factors, one of which is the security of your vehicle. This article explores how inadequate car security can lead to increased car insurance premiums.

The Role of Car Security in Insurance Premiums

Insurance companies assess the risk associated with insuring a vehicle. A key component of this risk assessment is the vehicle’s security. If a car is deemed easy to break into or steal, insurance companies might increase the insurance premiums.

Lack of Security Features

Cars equipped with security features such as alarms, immobilisers, or other deterrents are often seen as less of a risk, potentially leading to lower insurance premiums. Conversely, cars without these security features are seen as more vulnerable to theft, which could result in higher insurance premiums.

Parking Location

The location where the car is parked can also impact insurance premiums. Cars parked in secure locations like garages are often seen as less likely to be stolen, potentially leading to lower insurance premiums.

The Impact of Car Theft on Insurance Premiums

Car theft can significantly impact insurance premiums. For instance, certain car models, such as Range Rovers, have been identified as being frequently stolen, leading to increased insurance premiums for these models. Furthermore, high-end vehicles are often targeted for theft, particularly in urban areas, leading to increased insurance premiums.

Tips for Keeping Your Car Safe

  1. Use Anti-Theft Devices: Equip your car with anti-theft devices. This could include car alarms, steering wheel locks, or immobilizers.

  2. Park Your Car Protectively: Always park your car in a secure location. If you have a garage, use it. If not, try to park in a well-lit area.

  3. Lock Your Car: Always make sure your car is locked. Even if you’re just stepping away for a moment, it’s important to secure your vehicle.

  4. Keep Valuables Out of Sight: Don’t leave valuables in your car where they can be seen. If you must leave items in your car, try to store them securely or cover them.

  5. Use a Signal-Blocking Pouch: Store your car keys in a signal-blocking pouch, such as a Faraday Bag. This can prevent thieves from intercepting the signal from your key fob.
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  6. Reprogramme Your Keys: If you buy a second-hand car, consider reprogramming your keys.

  7. Turn Off Wireless Signals on Your Fob: When your fob is not being used, turn off the wireless signals.

  8. Drive Forwards Onto Your Driveway or Garage: This deters criminals looking to get away speedily.

  9. Park as Close to the House as Possible: Criminals are less likely to approach a car that can be seen easily.

  10. Park in Line With a Large Window: This allows you to keep an eye on your vehicle.


Securing your car is not just about protecting your vehicle; it can also have financial implications through its impact on insurance premiums. Investing in car security can potentially save you money in the long run by keeping your insurance premiums low. It’s always a good idea to discuss these factors with your insurance provider to understand how you can best protect your vehicle and potentially reduce your insurance costs.

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