A question often asked is whether or not securing your car will help to reduce your UK car i urance
A question often asked is whether or not securing your car will help to reduce your UK car i urance premiums. Will this is certainly a factor you need to discu with your car i urance company, you should note the following:
Steering Wheel Locks
While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car i urance companies will not allow for the fact that you have one to affect the level of your car i urance premium. In short, if the thief is a profe ional, steering wheel locks are not much of a deterrent.
Immobiliser
If your car has an immobiliser system i erted such as the Thatcham Category 1 then you should be talking to your UK car i urance company about ways to reduce your car i urance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car i urance company will be willing to listen to when discu ing ways to reduce your a ual car i urance premium.
Garage
26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car i urance company as there is a very good chance that this will cause you to have a reduced car i urance premium! Remember, however, that if you arrange to have a car i urance discount based on the fact that youll be locking your car away all night, youll need to make sure thats exactly what you do otherwise, if your car is stolen from in front of your house you may find that your car i urer will not pay out!
Location
64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were i er city areas. Where you live, and the crime rate in your area, will have a major influence on the car i urance premium you are quoted. So, if you are being quoted a very high UK car i urance premium, it might be time to co ider moving!
And finally
Obviously securing your car is more than just about reducing your car i urance premiums it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is o ortunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.
Steering Wheel Locks
While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car i urance companies will not allow for the fact that you have one to affect the level of your car i urance premium. In short, if the thief is a profe ional, steering wheel locks are not much of a deterrent.
Immobiliser
If your car has an immobiliser system i erted such as the Thatcham Category 1 then you should be talking to your UK car i urance company about ways to reduce your car i urance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car i urance company will be willing to listen to when discu ing ways to reduce your a ual car i urance premium.
Garage
26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car i urance company as there is a very good chance that this will cause you to have a reduced car i urance premium! Remember, however, that if you arrange to have a car i urance discount based on the fact that youll be locking your car away all night, youll need to make sure thats exactly what you do otherwise, if your car is stolen from in front of your house you may find that your car i urer will not pay out!
Location
64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were i er city areas. Where you live, and the crime rate in your area, will have a major influence on the car i urance premium you are quoted. So, if you are being quoted a very high UK car i urance premium, it might be time to co ider moving!
And finally
Obviously securing your car is more than just about reducing your car i urance premiums it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is o ortunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.
