Whilst you may expect brand new cars to have creme de la creme of security technology, you’d be mistaken. Whilst some car manufacturers opt to include state-of-the-art alarms and immobilisers, not many reach Thatcham-certified levels. Many drivers interested in vehicle protection and cheaper insurance need to understand how security is graded and why Thatcham-grade security systems are worth investing in.
In this guide, we’ll explore what Thatcham security systems are, how to check your car’s security status, and when you might need an upgrade. If you’re in the market for a new car or a security upgrade – this is the article for you.
What Is a Thatcham Alarm or Immobiliser?
Let’s start with the basics.
Thatcham Research, originally established by UK insurers in 1969, tests and categorises vehicle security systems. A Thatcham alarm is an electronic system that alerts owners or passersby to unauthorised access.
A Thatcham immobiliser, on the other hand, is a passive system that prevents the vehicle from starting unless the correct key or signal is detected. Think of Thatcham Research as a specialist firm that quantifies and verifies the quality of security systems – they’re the gold standard.
Thatcham devices are divided into categories based on their performance and type:
- Thatcham Category 1 (Cat 1): Combined alarm and immobiliser system.
- Thatcham Category 2 (Cat 2): Immobiliser only.
- Thatcham Category 2–1 Upgrade: Upgrades a Cat 2 immobiliser to a Cat 1 by adding an approved alarm.
- Thatcham Category S5/S7: Vehicle tracking systems, replacing the older Cat 5/6 ratings.
These ratings are often used by insurance companies when calculating your premium and can impact your car’s insurability. Do we need to buy third-party systems if we’ve just bought a new vehicle?
Do All New Cars Come with Thatcham-Approved Security?
Not necessarily.
While most modern cars sold in the UK do come with some form of factory-fitted security, not all of these systems are Thatcham-approved. Car manufacturers often install their proprietary systems, and unless these systems meet Thatcham’s strict criteria, they may not qualify for recognition.
For example:
- Many economy hatchbacks and compact cars may include basic immobilisers but no alarm.
- Luxury and premium vehicles often include Cat 1 or even advanced tracking systems as standard.
- Electric and hybrid cars vary widely depending on brand and trim level.
If you’re buying a used or imported vehicle, it’s especially important to verify whether its alarm or immobiliser meets Thatcham standards. More often than not, you’ll have to find a reputable fitter to get your system upgraded and bolster your chances of slashing insurance costs.
How to Check if Your Car Has a Thatcham Alarm or Immobiliser
If you’re struggling to assess whether a vehicle has a Thatcham-approved car security system or not, you can take the following steps:
- Consult Your Owner’s Manual: Many handbooks detail what security features your car has.
- Check the V5C (logbook): Some manufacturers list security systems in official documentation.
- Contact the Manufacturer or Dealer: Provide your registration or VIN, and ask whether the fitted system is Thatcham-approved.
- Look Up the Vehicle on Thatcham’s Database: The Thatcham Security Certification website allows you to search for approved systems.
- Ask a Professional: Security specialists like Car Specialist Customs can assess your vehicle and let you know what systems are installed – and if they meet the right standards.
If you’re fortunate to be in the market for a new car, it may be worth assessing what manufacturers feature industry-standard security systems.
Car Manufacturers with the Best Security Systems
While many brands provide decent standard security, the following manufacturers are known for going above and beyond when it comes to factory-fitted security features:
BMW: Often includes Thatcham Cat 1 system with added driver recognition.
Audi: Offers comprehensive alarm and immobiliser setups across most models.
Tesla: Includes advanced digital security and GPS tracking, but approval depends on the market.
Mercedes-Benz: Consistently ranks high for anti-theft protection.
Lexus: Combines traditional alarm/immobiliser with smart tech security.
However, even in these brands, lower trim levels or older models might not meet Cat 1 requirements, so always double-check to get the true array of benefits.
The Benefits of Thatcham Security Systems or Devices
So why does it matter if your alarm or immobiliser is Thatcham-approved? Only if you’re serious about protecting your vehicle, your family and your premiums. It’s better to deal with insurance companies when you’ve done everything in your power to protect your assets. Here are the main benefits of Thatcham-installed devices.
- Improved Theft Prevention: These systems are rigorously tested and proven to deter theft.
- Insurance Savings: Cars with Cat 1 or S5 systems may attract lower premiums.
- Higher Resale Value: Buyers prefer vehicles with verified security.
- Peace of Mind: You can rest easier knowing your vehicle is protected with trusted technology.
- Compliance with Insurer Requirements: Some policies require a minimum Thatcham level for theft cover to be valid.
When laid out bare, the benefits of more security outweigh the daunting and laborious process of dealing with the authorities, insurance companies and third parties. You may ask, why do these security devices matter so much when it comes to insurance? Let us tell you.
Why a Thatcham Alarm Matters for Insurance and Theft Prevention
When it comes to car insurance Thatcham ratings, insurers reward lower risk.
That’s why vehicles with Category 1 alarms or S5 trackers often get cheaper premiums or lower theft excesses. Some insurers may refuse to insure high-performance or high-value vehicles without a certified immobiliser or tracking system installed.
Thatcham standards are considered a benchmark in the industry, giving insurers a reliable way to assess how secure your car is. Without it, you could:
- Pay more for the same level of cover
- Be denied certain types of theft-related claims
- Have to retrofit a security system post-purchase to meet policy requirements
If you’re serious about security, you’ll want to enlist the services of a company that is serious about security.
Frequently Asked Questions About Thatcham Alarms & Immobilisers
Do I need a Thatcham-approved alarm if I already have a factory one?
If your insurer requires Thatcham certification, you may need to upgrade even if your car has a factory-fitted system.
Are all immobilisers Thatcham-approved?
No. Only those that pass Thatcham’s specific testing and certification process carry official approval.
Can I install a Thatcham device myself?
It’s highly recommended to have a professional install it. Insurers usually want to see proof of professional fitting and certification.
What’s the difference between Category 1 and Category 2?
Category 1 includes both an alarm and an immobiliser, while Category 2 is an immobiliser only. For maximum protection and insurance benefits, Cat 1 is preferred.
Upgrading Your Vehicle Security with Car Specialist Customs
If your current system isn’t up to scratch, it’s worth considering a professional upgrade. That’s where Car Specialist Customs comes in.
We specialise in fitting high-grade, Thatcham-approved alarms and immobilisers, ensuring your vehicle not only meets insurance criteria but also offers cutting-edge protection against theft.
Our services include:
- Ghost Immobilisers: Undetectable anti-theft systems that stop the car from starting without a unique sequence or fob.
- Pandora Alarms: Premium smart alarms with mobile notifications, shock sensors, and remote control features.
- Dash Cams and Trackers: Add another layer of evidence and recovery potential with GPS and live footage.
- Window Tinting and Vehicle Wrapping: Full vehicle customisation options to protect, secure, and personalise your car.
Whether you drive a contemporary car or a humble family mobile, Car Specialist Customs rises to any occasion. Professional upgrades and modifications are in our DNA.
Sound the Alarm: All Things Thatcham
So, do all cars come with a Thatcham alarm or immobiliser? In short – no.
Most new vehicles have stellar security features, but not all meet the Thatcham standard. If you want peace of mind, insurance benefits, and better theft prevention, check and upgrade your vehicle’s security. It’s a smart move.
Not sure if your car meets Thatcham security standards? Contact Car Specialist Customs for expert advice and professional alarm or immobiliser upgrades.