Advanced vehicle security could help UK drivers reduce car insurance costs
-- The average cost of car insurance remains a considerable expense for many UK motorists, which can make improving vehicle security and potentially accessing more affordable premiums important. While installing additional security doesn’t necessarily guarantee lower insurance costs, there are measures that can reduce theft risks and make a difference to the cover offered, depending on the provider.
With more than 20 years of experience in vehicle security, Eydens Auto Locksmiths and Vehicle Security, a Coventry-based firm and member of both the Master Locksmiths Association (MLA) and the Auto Locksmiths Association (ALA), has explained the importance of protecting vehicles against theft. The company combines practical expertise with access to advanced modern security equipment.
Options such as professionally fitted immobilisers and other solutions can protect against keyless theft and benefit motorists whose vehicles could be at risk of theft or break-ins, which may also possibly reduce their insurance costs.
Why Vehicle Security Matters When Calculating Insurance Premiums
Company owner Rob Eyden from Eydens Auto Locksmiths and Vehicle Security explains, ‘Insurers don’t only look at the profile of a specific car and the driver when quoting premiums, because insurance costs are associated with the risk the insurance provider is taking when they offer coverage.
That means that if they perceive there is a higher likelihood of a vehicle being broken into or stolen, the quote they offer might be higher. Insurers will also consider the make and model of the car, where it is kept overnight, the driver’s claims history and other factors, but security is one of those aspects that drivers have control over.’
The Financial Conduct Authority's 2025 motor insurance claims analysis showcased the financial impacts of vehicle theft on owners. Across the insurers included in the review, average theft claims rose 79% between 2019 and 2023, from £298 to £533 per policy.
This shows how relevant theft prevention might be, both for insurers assessing how much a potential future claim might cost them, and for owners who lack confidence that their vehicles are properly protected.
It is also worth pointing out that certain cars may be more likely to be targeted by criminals. They may look for specific models where there is high demand for replacement parts, or where the value of the car makes it an attractive option to steal and resell or export.
Insurance broker WeCovr found that this doesn’t just apply to high-end vehicles. Although Range Rover Sport, Vogue and Land Rover Discovery were among the most stolen cars in 2026, the Ford Fiesta, Ford Focus and Volkswagen Golf also ranked within the insurance guide’s top five most-stolen cars.
The report found that this has contributed to higher-than-average premiums, a perceived higher theft risk applied by insurers, and additional requirements from some providers, such as requiring a tracker to be fitted before offering cover.
The Vehicle Security Measures That May Help Reduce Insurance Costs
Security measures are primarily designed either to deter theft or prevent belongings within a car from being stolen. Although fitting a device doesn’t always mean a driver qualifies for a discount, there are several potential options that may help.
Professionally Installed Immobilisers
Immobilisers prevent a vehicle from starting unless the correct key or fob is present, or unless the driver enters a unique sequence. Modern vehicles often have factory-fitted immobilisers, but drivers of vehicles vulnerable to theft may want to consider more advanced options.
Any immobiliser should be properly fitted by a qualified installer or auto locksmith, especially where this is intended to meet insurance requirements. Some providers may require a specific standard of immobiliser or certification, such as the immobiliser being Thatcham-approved.
Protection Against Keyless Car Theft
Electronic key fobs are convenient but can also be vulnerable to cloning and relay attacks. Drivers can take preventive measures such as storing keys away from doors and windows, using a signal-blocking pouch, or fitting a sophisticated immobiliser such as the Ghost II. This requires a series of button presses before it will deactivate, so the car cannot be driven away even with a cloned or copied key.
Tracking Devices and Additional Deterrents
Tracking systems don’t prevent theft, but they can help locate a stolen car and are often combined with physical deterrents such as steering wheel locks or immobilisers.
Some insurers require customers to provide evidence that approved tracking equipment has been installed, although the potential savings or discounted premiums offered will vary between providers.
How Drivers Can Ensure Security Improvements Count Towards Their Insurance
Drivers are advised to speak to their insurer or check the policy in detail before investing in security upgrades if they are hoping this will reduce the cost of cover. Insurance providers can advise on the premiums available based on existing security, and whether additional equipment might impact their premium, policy terms, or eligibility for cover.
If the insurer requires or accepts approved equipment and offers a discounted or lower premium as a result, drivers should also verify the specifications, because insurers may request copies of installation certificates, invoices and product details to check that this meets their requirements.
It is also important to disclose any relevant changes correctly. Policies may require drivers to notify the insurer of modifications or security equipment installed, and not disclosing this information can create complications if the driver then needs to make a claim.
Motorists are also advised to compare renewal quotes from different providers rather than assuming that a security upgrade will automatically qualify them for the most competitive premiums, or that other insurers won’t be able to offer a lower cost of coverage.
Why Professional Vehicle Security Advice Is Important
There are several vehicle security upgrades drivers might want to consider, and the most appropriate solutions will depend on the specific make and model of car, the risks associated with it, and the standard of existing factory-fitted security and electronic keys.
As Rob of Eydens Auto Locksmiths and Vehicle Security advises, ‘We’d suggest choosing security that provides a genuine benefit, rather than solely to qualify for cheaper insurance. If security measures aren’t sufficient or don’t address the most prevalent theft risks and a crime occurs, needing to make a claim could itself possibly affect the ongoing cost of insurance.
It’s also essential that drivers speak with a trusted, accredited auto locksmith or security specialist, because a product ordered online, fitted independently or through an unrecognised provider, or that doesn’t have the right documentation may not meet an insurer’s requirements.’
About the company: Eydens Auto Locksmiths and Vehicle Security have over 20 years of experience and are members of both the MLA and the ALA, providing auto lock and key services to motorists in Coventry, Rugby, Nuneaton, Bedworth, Kenilworth, Leamington, Stratford upon Avon and Warwick.
Contact Info:
Name: Rob Eyden
Email: Send Email
Organization: Eydens Auto Locksmiths and Vehicle Security
Website: https://eydensautolocksmiths.co.uk/
Release ID: 89209562
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