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      All About Anti-Theft Device And Its Impact On Car Insurance

      One of the most beneficial ways to protect your four-wheeler against theft is to install an anti-theft device in your car. Moreover, by getting ARAI-approved anti-theft devices fitted in your vehicle, you can also lower your car insurance premium. Read further to know everything about anti-theft devices and their impact on motor insurance

      Read more

      Benefits of Installing Anti-Theft Devices

      Car theft is a growing concern for vehicle owners in India. In fact, around 1,00,000 cars are stolen every year in India. Anti-theft devices offer a practical solution to this problem.

      These devices come with a range of benefits that include:

      • Enhanced Vehicle Security: Anti-theft devices act as powerful deterrents to potential thieves. Steering wheel locks, car alarms, and immobilisers make it challenging for thieves to gain access to the vehicle or drive it away unnoticed.
      • Reduced Risk of Car Theft: The presence of anti-theft devices significantly decreases the likelihood of car theft. Thieves are more likely to avoid vehicles with visible security features, opting for easier targets instead.
      • Potential Insurance Premium Discounts: Insurance companies recognise the significance of anti-theft devices in reducing the risk of car theft. As a result, policyholders who install these devices are eligible for discounts on their car insurance premium.

      Types of ARAI-Approved Anti-Theft Devices for Car

      A wide range of anti-theft devices are available to suit different vehicle types and budgets. You can choose a device depending on your requirements and the risks you are exposed to.

      Note that irrespective of the anti-theft device you choose, it must be approved by the Automobile Research Association of India (ARAI). Some of the approved anti-theft brands by ARAI in India are AutoCop, Nippon, Reliance, Pricol, Unidad Techno, etc. Some popular types of anti-theft devices include:

      • Car Alarms: Car alarms produce loud, attention-grabbing sounds when triggered by a break-in attempt. They alert nearby individuals and may scare off potential thieves.
      • Immobilisers: Immobilisers are electronic security systems that require the correct key or code to start the vehicle. Without the proper authentication, the engine remains immobilised.
      • GPS Tracking Devices: GPS tracking devices use satellite technology to monitor a vehicle's location. In the event of theft, owners and law enforcement can track the stolen vehicle's movements.
      • Kill Switches: Kill switches are either manual or electronic switches that disrupt the flow of electricity to the engine. This prevents the car from starting, even if the thief has access to the keys.

      Anti-Theft Devices for Car

      Impact of Anti-Theft Devices on Car Insurance Premium

      The installation of anti-theft devices can have a significant impact on car insurance premiums. Insurance providers view these devices as valuable risk-reducing tools, which can lead to the following effects:

      • Eligibility for Discounts: By equipping your vehicle with approved anti-theft devices, you will also become eligible for a discount on your vehicle insurance premium. Car insurance companies often offer this discount to encourage car owners to take proactive measures against theft.
      • Lower Premium Rates: Policyholders with anti-theft devices installed may enjoy lower insurance premium rates compared to those without any security features. The reduced risk of car theft leads to a decreased likelihood of filing theft-related claims.
      • Peace of Mind: Besides potential cost savings, anti-theft devices offer peace of mind to car owners. Knowing that your vehicle is better protected can alleviate worries about theft or unauthorised access.

      How Much is the Anti-Theft Discount on Car Insurance?

      Usually, car insurers give a 2.5% discount on the premium to a maximum of Rs. 500 if the vehicle is fitted with an anti-theft device.

      However, the discount is available only for the damage caused to your vehicle during an accident and does not include the premium of the third-party cover. (Refer to the below table).

      Insurer Premium (in Rs.) Premium after anti-theft discount (in Rs.)*
      Reliance General 2,905 2,832
      Oriental Insurance 2,686 2,459
      New India Assurance 2,719 2,651
      United India Insurance 4,349 4,241

      Note*: The above calculation is done for Maruti Swift Dzire Vxi, 2022 Registered, Petrol Variant and North Delhi Registration.

      Cost of Anti-Theft Devices

      The cost of anti-theft devices differs as per the features and technology enabled in the device. For instance, A basic alarm device will cost you between Rs 3,000 and Rs 4,000, whereas for a GPS or Intelligent Computerised Anti-Theft (ICAT) system, you will have to spend between Rs 6000 and Rs 17,000.

      Things to Consider While Choosing Anti-Theft Devices

      Selecting a suitable anti-theft device for your vehicle is crucial to ensure adequate security. Consider the following tips when making your choice:

      • Research and Compare: Conduct thorough research on the various types of anti-theft devices available. Compare their features, pros, and cons to find the one that best suits your needs.
      • Check Insurance Requirements: If you're installing an anti-theft device to reduce insurance premiums, ensure it is approved by the Automobile Research Association of India.
      • Combine Multiple Devices: For added security, consider using a combination of anti-theft devices. Layering security measures will make it difficult for potential thieves to unlock your vehicle.

      Wrapping Up!

      Investing in an anti-theft device for your vehicle is a wise decision that offers multiple benefits. These devices not only enhance vehicle security and reduce the risk of car theft but can also lead to potential discounts on your car insurance. By taking steps to protect your vehicle, you not only save on vehicle insurance costs but also gain invaluable peace of mind.

      FAQs on Anti-Theft Devices

      • Q1. Does car insurance cover theft?

        Ans: A third-party car insurance policy does not cover the theft of your four-wheeler. However, by purchasing a comprehensive car insurance policy, you can get compensated if your car suffers a loss due to theft or burglary.

      • Q2. Does car insurance cover the theft of personal items?

        Ans: A comprehensive motor insurance policy will only cover items that are pre-installed in the car. It does not cover the loss of any personal belongings from the car. However, these items can be covered by purchasing a Personal Belongings add-on cover along with your car policy.

      • Q3. Are there cars that are pre-fitted with anti-theft devices?

        Ans: Yes, car manufacturers have started selling cars that are pre-installed with anti-theft devices. Most luxury car manufacturers such as Toyota, Ford Motors and Mahindra have an inbuilt anti-theft system in their high-end models. Even mid-segment players such as Maruti Suzuki have introduced anti-theft devices in many car models.

      • Q4. Is it compulsory to install an anti-theft device in my car?

        Ans: No, installing an anti-theft device is not a mandatory requirement in India. However, it is recommended to install one to increase the security of your device. Discount on the premium is an added benefit.

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