Do car security devices make car insurance cheaper?

Key takeaways

• A car is stolen every 8.5 minutes in the UK

• Car security devices range from sophisticated alarm systems to simple steering wheel locks

• Thatcham-approved security products, such as alarms and immobilisers, can influence insurance premiums

Can having an immobiliser and car alarm reduce my car insurance?

Yes, having an immobiliser and car alarm fitted to your vehicle can lower the risk of theft, which may lead to reduced insurance costs. Preventing vehicle theft may also help you to build your no-claims bonus.

However, it's important to consider the cost of installing and maintaining these security systems against the potential savings on insurance premiums.

Many new vehicles come equipped with high-tech immobilisers, but for older models, an upgrade might be necessary.

Ensure that your insurer recognises the security device you choose to install.

Steve Launchbury, Principal Engineer for Automotive Security at Thatcham Research, says vehicle security is becoming increasingly important as criminals move away from traditional theft methods.

“Most vehicle theft in the UK now begins with key manipulation or exploitation of the vehicle's own electronics rather than a broken window or forced entry.

“Relay attacks remain the method drivers hear about most often. A thief captures the signal from a key, typically sitting inside the home, relays it to the vehicle, and the car responds as though the key were beside it.”

He adds that while manufacturers have introduced new technology to combat these threats, older vehicles may remain more vulnerable.

“Manufacturers have responded with technologies such as Ultra-Wideband keys and motion-sensing keys, but the threat remains significant, particularly for vehicles built before the 2020 model year, which were not assessed against today’s security standards.”

What car security devices can I use?

There's an array of car security equipment available to suit different needs and budgets, including:

What are Thatcham device categories and why do they matter?

Thatcham Research is an automotive risk intelligence company, which has been at the forefront of vehicle security since the 1990s.

The Thatcham Security Certification programme assesses the security, functionality, safety and reliability of aftermarket and vehicle manufacturer security products.

Thatcham’s classifications are widely recognised by insurers and can influence insurance premiums. The current Thatcham categories are:

• Category 1: An electronic alarm and immobiliser

• Category 2: Electronic immobiliser without an alarm

• Category2.1: Electronic alarm upgrade for vehicles with a pre-existing immobiliser

• Category 3: Mechanical immobilisers such as steering wheel locks

• Category 4: Wheel locking devices

• Category S5: Vehicle tracking systems

• Category S7: Asset location systems

• Q class: Non-categorised aftermarket systems

Using more than one type of security device can provide additional protection, as criminals may be deterred when faced with multiple barriers.

Michelle Kradolfer, National Manager at Secured by Design, says a layered approach to security is one of the most effective ways drivers can reduce their risk.

“Layering security measures is always highly effective. If a thief manages to circumvent one layer others remain to delay/deter them.”

Devices such as steering wheel locks, gear stick locks, OBD locks, immobilisers and key security pouches can all help prevent theft by increasing the time and effort required.

What types of car alarms are available?

• Audible alarm systems are common and may come built into new cars. They emit a loud noise when the vehicle is tampered with

• Silent alarm systems alert the owner via a digital message without making noise, which can be useful in certain situations

How can I tell what security device my car has?

Cars sold in the UK since October 1998 are required to have factory-fitted immobilisers. If you're unsure what security features your car has, check the handbook or ask the seller. A mechanic can confirm the presence of security devices and fit any, if necessary.

How common is car theft?

The latest data from the Driver and Vehicle Licensing Agency (DVLA) shows there were 61,343 vehicles reported stolen in 2024 - a 6% reduction on 2023 but the third highest figure in the past decade and more than twice the number of vehicles stolen in the whole of 2015.

The annual figure equates to 168 cars stolen every day, seven cars stolen every hour, or one stolen every 8.5 minutes last year.

Car theft is getting more sophisticated with thieves turning to technology to break into keyless entry models.

How can I keep my car safe from theft?

Besides installing anti-theft devices, there are simple actions you can take to protect your vehicle:

• Always lock your vehicle, even if you're stepping away for just a moment

• Don't leave valuables in plain view - hide them or take them with you

• Park in safe, secure spots, such as garages, driveways, or well-lit areas with CCTV

• Keep your car keys hidden when you’re at home

Michelle Kradolfer, National Manager at Secured by Design, says drivers should think about security in layers rather than relying on one single measure. Vehicles fitted with smart or passive contactless keys are particularly vulnerable to relay theft, especially overnight when vehicles are often parked on driveways or directly outside homes.

“Drivers should store their keys in a security pouch whenever they're not in use. These pouches are sometimes called Faraday bags or RFID signal blockers, and will prevent your key's signal from being captured using electronic devices.

“Keys should also be kept away from doors and windows, as fishing for vehicle keys through letterboxes remains a common theft method.”

Steve Launchbury, Principal Engineer for Automotive Security at Thatcham Research, adds that simple habits remain among the most effective ways to reduce theft risk.

“Locking the vehicle every time remains the single most valuable security habit any driver can develop. Locking arms the alarm, perimeter protection and interior intrusion sensors. Everything the manufacturer engineered into the vehicle depends on that first action.”

“For vehicles at higher risk, or those parked on driveways or the street overnight, certified tracking and immobilisation systems provide an additional layer of protection beyond factory security.”

How else can I lower my car insurance quotes?

Improving car security is one way to lower insurance premiums, but you could also consider:

• Paying a higher excess can keep premiums down, but you’ll have to pay more in the event that you need to make a claim

• Building up a no-claims bonusrewards good driving records over time

• Paying your insurance annually and not spreading the cost via direct debit

• Comparing insurers can lead to better deals and savings

Where can I find car insurance that covers theft?

Finding a cheaper quote for car insurance takes just minutes with MoneySuperMarket. By providing details about yourself and your car, you can receive tailored quotes.

Compare policies by cost, cover, and excess to choose the best deal for you. It's important to balance cost with cover to ensure you have adequate protection at a reasonable price.