When it comes to car insurance, one of the biggest factors affecting your premium is how secure your vehicle is. Insurers don’t just look at your postcode and driving history, they also care about the technology fitted to your car.
One of the most important of these systems is the immobiliser. But how does it affect your insurance, and do you need to declare it?
An immobiliser is an electronic anti-theft device that prevents the engine from starting unless the correct key or fob is present. Introduced as standard on all new UK cars since 1998, it has become one of the most effective ways to stop thieves from hot-wiring or forcing a vehicle to start.
Immobilisers can make a real difference to your policy in several ways:
If your car was built after 1998 and sold new in the UK, it almost certainly has a factory-fitted immobiliser. Older cars may not, and if that’s the case, insurers may encourage you to have one fitted to keep your premiums down and protect your car.
If you drive a classic, imported, or modified car, you might not have an immobiliser from the factory. Adding an aftermarket immobiliser can:
Insurers may require the immobiliser to be Thatcham-approved (a UK vehicle security standard).
From an insurance perspective, an immobiliser means:
That’s why they play such a big role in calculating your premium.
At Technical Vehicle Solutions, we can:
Keeping your immobiliser in good health isn’t just about peace of mind — it can also help keep your insurance costs under control.
Absolutely. A working immobiliser can lower your premiums, keep your car insurable, and ensure you meet your provider’s security requirements.
If your immobiliser isn’t working properly, or you need new keys coded, we can help. At Technical Vehicle Solutions, our experts ensure your car remains secure and compliant.
📞 Call us today on 01763 230411 to book an immobiliser check or repair.
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