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Reducing Premiums - car security
Insurance costs can be reduced by maximising the security of your vehicle.
Location
Depending on where you live, insurance companies will decide the risk of theft
in your area. The higher the risk, the higher the cost of insurance. Your
postcode or street will be used to decide this. If you live in a high crime
area, moving will help reduce insurance costs.
Parking
Cars parked on the street are easier to steal than cars parked on a driveway.
Cars parked on a driveway are easier to steal than cars parked in a locked
garage. If possible, use the driveway or garage as you will be asked and it
could help reduce your premium.
Security
Devices
If your vehicle is fitted with a tested and approved security system, insurance
companies may reduce your premium. These are usually in the form of alarms. The
vehicle test centre in Thatcham, Berkshire is responsible for categorising
security devices. They will be given a class rating. Only consider an alarm that
is classified as Thatcham Class 1 or 2. The more desirable your vehicle is to
thieves, the greater impact this will have on your insurance costs.
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