How Anti-Theft Devices Can Affect Your Car Insurance


Lots of people in cities and places around the world are becoming familiar with the possibility of vehicle theft nowadays. In fact, the places where car theft, or robbery of any kind for that matter, is virtually unheard of are becoming increasingly rare to the point of being utopian or non-existent, in other words. As a result, it is no longer possible to merely lock a car or to possess an automobile that does not have some form of anti-theft device fitted. What is more, when it comes to car insurance, locking a vehicle is no longer sufficient and in most cases additional anti-theft devices are required for insurance purposes.

Naturally, a person may wish to have one or more anti-theft devices installed in their automobile because it can be very inconvenient to have one’s car stolen, not to mention costly, even if it is insured. What is more, you will find that many car insurance providers offer incentives like a lower monthly premium if a vehicle is fitted with an anti-theft device so it makes sense to fit one from this point of view as well. You should also note that an insurer may refuse outright to cover your vehicle if it has not been fitted with a security device of some sort.

Probably the most well-known of all the security devices available on the market these days are the immobilizer and the car alarm. In fact, practically all automobiles that come off the factory floor nowadays are fitted with an immobilizer or car alarm, or both. Also popular on the market is the vehicle tracking device, and although you will most likely have to pay a monthly fee to have your car monitored by a vehicle tracking service, this is also the security measure that gives you the biggest reduction on your insurance premium.

A steering-wheel lock is another type of anti-theft device which was particularly popular in the days before alarms, immobilizers and tracking systems. That being said, a steering-wheel lock can no longer help you to lower your car insurance premium as it is no longer recognised as an anti-theft device.

In all likelihood, the type of security device you choose will be determined by your individual needs and budget. However, it is vitally important that you do take some kind of security precautions. On the other hand, it may not be necessary for you to put a vehicle tracking system into an old car whereas it could really benefit you to install it in a new automobile, especially if you live in an area with a high risk of vehicle theft. Hence the kind security devices you put in are also likely to be determined by the age and type of vehicle itself as well as where the vehicle is going to be parked, for instance.

However, there is one final point that you need to remember. Be sure to check with your insurer that the particular make of security device you are thinking of putting in your vehicle has been approved by the Motor Vehicle Association of South Africa or you may not be able to get any benefits out of it as far as car insurance goes.

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