Insuring your vehicle, depending on who your insurance provider is, may have stipulations in which your coverage is not applicable, but is theft covered in your insurance as standard? Or does it depend on your insurance provider and policy?
In this blog, we will answer the questions ‘Does car insurance cover theft?’
The UK automotive aftermarket industry is thriving, ranking fourth in Europe and ninth in the world in terms of size, and turning over an annual £21.1 billion.
The sector supports 345,600 jobs and contributes £12.2 billion each year to the economy. And it is growing: the sector’s value is set to rise to £28 billion by 2022.
That’s why we at Car Specialist Customs are here to provide you with all the information you require to get the best car customisation possible, whilst being as informed as possible.
Does aftermarket security void your insurance?
No, aftermarket security systems generally do not void your car insurance. In fact, many insurance companies offer discounts for vehicles equipped with aftermarket security systems.
However, it’s important to check with your specific insurance provider to confirm their policy regarding aftermarket security systems. Some insurers may have certain requirements or limitations in place, such as requiring the system to be professionally installed or meet specific standards.
By having an aftermarket security system installed, you can potentially reduce your insurance premiums and increase the chances of recovering your vehicle in the event of theft.
Does car insurance cover theft?
Yes, most car insurance policies in the UK cover theft. This means that if your car is stolen, your insurer will typically pay you compensation for the loss of your vehicle.
However, the exact coverage and payout amount can vary depending on your specific policy. Some policies may have limitations or exclusions related to theft, such as if you leave your keys in the ignition or fail to take reasonable steps to secure your vehicle.
Car insurance companies typically use a variety of methods to confirm that a vehicle has been stolen:
- Police report: The most common method is to require a police report filed by the vehicle owner. This report provides evidence of the theft and includes details about the incident, such as the date, time, and location of the theft.
- Vehicle tracking: If your vehicle is equipped with a tracking device, the insurance company can use this to confirm the vehicle’s location and verify that it has been stolen.
- Witness statements: Statements from witnesses who saw the theft or have information about the incident can also be used as evidence.
- Vehicle identification number (VIN): The insurance company can use the VIN to verify the vehicle’s identity and confirm that it has been reported stolen to the police.
Once the insurance company has confirmed that the vehicle has been stolen, they will typically initiate an investigation to gather further evidence and determine the value of the vehicle. This information is used to calculate the compensation payment to the policyholder.
It’s important to review your car insurance policy carefully to understand your exact coverage for theft and any applicable limitations or exclusions. If you have any questions, your insurer can provide more information.
Which aftermarket security system can help to prevent theft?
There are a few aftermarket security solutions that can help to prevent theft. One of which is the Autowatch Ghost Immobiliser.
The ghost immobiliser is a hidden electronic device that can be installed in a vehicle to prevent theft. Unlike traditional alarms or immobilisers, ghost immobilisers are virtually undetectable to thieves and can be activated and deactivated using a secret code or remote control.
Here’s why ghost immobilisers are so effective:
- No code, no car: Any car with a Ghost Immobiliser will only start once its activation code is entered. This means that even if a thief manages to enter your vehicle, they will not even be able to start the car, thanks to the Ghost Immobiliser’s immobilisation protocol.
- Hidden location: Ghost immobilisers are typically installed in hidden locations, making them difficult for thieves to find or disable.
- Customisable code: The activation and deactivation code for a ghost immobiliser can be customised, making it even more difficult for thieves to bypass.
- No visible signs: Unlike traditional alarms or immobilisers, there are no visible signs of a ghost immobiliser on the outside of the vehicle, making it less likely to deter thieves.
- Compatibility: Ghost immobilisers can be installed in a wide range of vehicles, making them a versatile theft prevention solution.
Overall, ghost immobilisers offer a highly effective and discreet way to protect your vehicle from theft.
How is a ghost immobiliser professionally installed?
If you choose to install your ghost immobiliser through a certified installer such as Car Specialist Customs, the installation process usually follows these steps:
- Hidden location selection: The technician will choose a hidden location within the vehicle to install the immobiliser. This location is typically kept secret and is known only to the vehicle owner, if they choose to know.
- Wiring: The immobiliser is wired into the vehicle’s electrical system. This may involve connecting the immobiliser to the engine control unit (ECU) or other relevant components.
- Activation code setting: The technician will set a unique activation and deactivation code for the immobiliser. This code is known only to the vehicle owner and should be kept secret.
- Testing: Once the immobiliser is installed, the technician will test it to ensure that it is working correctly. This involves activating and deactivating the immobiliser and checking that it prevents the engine from starting.
The specific installation process may vary depending on the make and model of the vehicle and the type of ghost immobiliser being used. It’s important to choose a reputable technician with experience in installing ghost immobilisers to ensure that the job is done correctly and safely.
Theft solutions for your car
Our team members at Car Specialist Customs are extremely passionate and proud of the multiple services and products we provide for the people of Greater Manchester and beyond.
As a fully insured and approved installer, catering to the needs of vehicle owners of Greater Manchester and beyond, we are proud to let you know that we offer services for the following:
Tints:
Wrapping and PPF:
- Paint Protection Film — PPF
- Exo Shield Window Tint
- Black Packs
- Dechroming
- Custom Decals
- Commercial Wrapping
- Vehicle Wrapping
Interior customisation/ technology:
- Starlights
- Apple Play/ Android Autos
- Android Screen Upgrades
- Parking Sensors
- Reverse Cameras
- Rear Seat Entertainment
Wheel refurbishment:
Protection/Security:
Featuring the brands, Pandora, ScorpionTrak, Meta Trak & SmarTrack, we’ve included affordable, and premium products to suit the needs of our customers. With finance options available, and the option of installation, head to our website to get your quote!
We will always go above expectations to make your car feel special to you. With even more services and options becoming available in the future, Car Specialist Customs is the home of making any car unique, secure and special.
See what we can do for you today, we hope the details we shared have helped you decide to take a step forward in personalising your vehicle with our unique service.
In this blog, we aimed to have provided insight by answering the questions ‘Does car insurance cover theft?’. Whilst also providing supplementary information that can help you make an informed choice when it comes to investing in customisation options for your vehicle.
Want to get in touch? You can find us right here:
WORKSHOP:
Unit 30
Caldershaw Centre
Ings Ln
Rochdale
OL12 7LQ
OPENING TIMES:
Monday to Wednesday – 10 AM—7 PM
Thursday – Closed
Friday to Sunday – 11 AM—7 PM
TELEPHONE:
07523 971347 (Mon – Fri: 8:30 am – 6:00 pm)
EMAIL:
info@carspecialistcustoms.co.uk