Asger Risom
A simple security modification known as a ‘ghost’ immobiliser could make your car cheaper to insure, but there are key rules to follow before fitting one.
A simple security modification known as a ‘ghost’ immobiliser could make your car cheaper to insure, but there are key rules to follow before fitting one.
How Car Security Affects Insurance
Insurers consider a vehicle’s security when setting premiums. Cars that are easier to steal are seen as higher risk, often leading to higher costs for drivers.
What Is a Ghost Immobiliser?
A ghost immobiliser is a discreet security device that prevents a car from starting unless the driver performs a unique sequence of actions, such as pressing pedals or buttons in a set order.
Why Thieves Hate Them
Even if a thief has your keys or can hotwire the car, the immobiliser stops the engine from starting without the correct sequence. This extra hurdle greatly reduces theft risk.
Mechanical vs. Electronic Systems
While steering wheel locks and clamps can help, electronic immobilisers protect a car’s internal systems, making modern theft methods like key cloning far less effective.
Getting the Right Device
Not all immobilisers are equally effective. Experts recommend choosing one approved by Thatcham Research or the Tracking and Aftermarket Security System Association (TASSA).
Professional Installation Matters
A ghost immobiliser should be fitted by a TASSA-approved installer to ensure proper operation. Poor installation could leave your car unprotected or lead to technical issues.
Inform Your Insurer
Any modification to your car – even for safety – must be declared. Failing to notify your insurer could invalidate your cover and result in hefty fines or penalty points.
Potential Cost Savings
While not every insurer guarantees lower premiums, many reward improved security. A well-installed, approved immobiliser could reduce theft risk and, in turn, insurance costs.
The Bottom Line
A ghost immobiliser can provide peace of mind and potential savings, but drivers should choose an approved device, have it professionally installed, and always inform their insurer.
