What security measures can reduce your car insurance premium?

Security is a big factor when it comes to insurance.  The more secure your vehicle, the lower you can expect your car insurance premium to be.  But don’t worry!  As ever, there are things you can do yourself to improve your car’s security.


A car alarm works much like an alarm you might have at your house.  They can sense impact from a forced entry and will sound to alert people nearby of the dangers.  Alarms are a great way to protect your vehicle from theft and insurers will take this into consideration when calculating your premium.  Your car may have come with an alarm, or they are very easy to install at a local garage.


A car immobiliser prevents anyone without the correct key or fob from starting your engine.  This also means that a thief could not hotwire your vehicle and therefore further prevents your car from theft.  It is worth noting that all cars made after October 1998 will come with an immobiliser fitted as standard.  However, don’t panic if you have a particularly old car, because they are very easy to fit.  Just like the alarm, you can get them installed at your local garage and be on your way in no time!

You may want to check how effective the security system in your car is.  If you do, you can use the Thatcham system, where devices are ranked depending on how efficient they are.  The higher the ranking, the better and more valued the security for insurers.

Dash cams

Though dash cams may not spring to mind when considering security devices you could install, they can be very effective.  For example, in an accident, they can help to decide who is at fault which could ultimately help you save a lot of money.

A dash cam will clip to your dashboard and constantly records out of your front windscreen.

The inclusion of a dash cam will show insurers that you have got nothing to hide when you’re on the road and may increase their faith in you.

You can buy and install the dash cam yourself with little to no hassle on your end.   It may be worth ensuring that you have the full road out in front of you in view of the camera, so you make full usage of the recording.

The higher the quality of the video, the better in terms of using it for insurance purposes.  You’ll be able to see clearly what is going on in the video which will help you through the claims process and the longer-term.

Security devices such as alarms, immobilisers and dash cams will help to lower your premium by showing your insurers that your car is at a reduced risk of theft.  To find out more, visit our website or give us a ring on 0333 222 4005.