Does Installing a Ghost Immobiliser Lower Car Insurance?

Ghost immobilisers provide a vital level of security and protection for your vehicle. In some cases, car insurance may be affected when you install aftermarket security. But is this the case with the Ghost Immobiliser?

In this blog, we will answer share details regarding the question ‘Does installing a Ghost Immobiliser lower car insurance?’

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 and continue rising with advancements in technology.

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.

How do I know if my insurer is ok with aftermarket security?

It’s wise to check with your insurer about their stance on aftermarket security before investing in it. Here’s how you can find out if they welcome it and potentially offer discounts:

1. Check Your Policy Documents:

• Review Your Policy Wording: Your insurance policy documents might contain information about acceptable modifications and security devices. Look for sections related to security, alarms, immobilisers, or modifications.
• Look for Specific Mentions: See if they explicitly mention any specific types of aftermarket security systems, such as alarms, immobilisers (like Ghost), or tracking devices.

2. Contact Your Insurer Directly:

• Call Their Customer Service: The most direct way to get a clear answer is to call your insurer’s customer service line. Explain that you’re considering installing an aftermarket security device and ask if it would affect your premium.
• Ask Specific Questions: Be prepared to ask specific questions, such as:

• “Do you offer discounts for aftermarket security systems?”
• “Do you have any preferred or approved security systems?”
• “Do you require professional installation for these systems?”
• “Does the system need to meet any specific standards (e.g., Thatcham approval)?”

• Keep a Record of the Conversation: Note down the date, time, and the name of the representative you spoke with. This can be helpful if there are any discrepancies later.

3. Check Their Website:

• Look for FAQs or Information Pages: Some insurers may have FAQs or dedicated pages on their website that address modifications and security devices.
• Search for Relevant Keywords: Use keywords like “aftermarket security,” “alarms,” “immobilisers,” or “modifications” to search their website for relevant information.

4. Use Online Comparison Tools (with Caution):

• Some Tools Have Modification Options: When using online comparison websites, some may have options to declare modifications, including security systems. However, it’s always best to confirm directly with the insurer after getting a quote.

Don’t forget to…

• Be Transparent: Always be upfront with your insurer about any modifications you make to your car, including security systems. Failure to disclose modifications could invalidate your insurance.
• Get it in Writing: If your insurer confirms that a specific security system will result in a discount, ask them to provide this in writing (e.g., via email or a policy endorsement).
• Thatcham Approval is Important: If your insurer recognises aftermarket security, they’re more likely to favor Thatcham-approved systems, as these meet recognised standards.

Does installing a Ghost Immobiliser lower car insurance?