Buying a car can be a big investment and an even bigger responsibility.
All about anti-theft devices and Its impact on car insurance
When you buy a car, protecting it from theft becomes a priority. Car theft cases continue to rise across cities, making it important to use technology to keep your vehicle secure. An anti theft device strengthens your car’s security system and reduces the chances of theft. These devices use different mechanisms to prevent unauthorised access, from locking systems to alarms. Most new cars come with built in security features, but installing additional certified devices improves safety and may also reduce your car insurance premium. Inform your insurer once you install an anti theft device so that your policy and premium can be updated accordingly.
What is an anti-theft device in the car?
An anti-theft device in the car is a type of gadget that uses automatic or manual techniques to help you keep it secure from theft. It can use various technologies to achieve the desired purpose. Different anti-theft devices are available in the market, from locks to alarms and more. These devices limit the possibility of your car getting stolen by enhancing the security system of the vehicle.
Most car manufacturers today furnish new cars with a host of safety devices. However, you can always choose to be more careful and raise the level of security by opting for additional safety devices for your car. It is important to notify your car insurance company about the installation of these devices so that they can make necessary changes in your policy coverage and the amount of premium.
How does an anti-theft device work in a car?
Anti theft devices use mechanical or electronic systems to prevent unauthorised movement or access. Some devices disable the ignition, some trigger loud alarms, and others allow you to track the vehicle digitally. A device approved by the Automotive Research Association of India increases your vehicle’s security and reduces the risk of a successful theft attempt.
Types of anti-theft devices for cars available in India
Check out the various types of anti-theft devices popular in India, approved by the Automotive Research Association of India (ARAI).
• Car alarm:
Car alarms are sound-based anti-theft devices (ATD). If anyone attempts to tamper with the car by any means, the system will alert people nearby the car by sounding an alarm. Alarm-based anti-theft devices are usually easily affordable.
• GPS tracking:
The Global Positioning System (GPS) device works on the technology that tells you the real-time location of the vehicle when the system is active. Along with the utility to navigate, it can also come in handy to track the stolen vehicle.
• Mechanical immobilisers:
Mechanical immobilisers are a type of mechanical device that stops the car from moving. Tyre Lock, Gear Lock and Steering Lock are some of the notable examples of mechanical immobilizers.
• Kill switch:
A kill switch is a type of ATD that contains a switch you can install in any hidden location in the car. When you turn on the switch, it switches off a part of the car's engine, making the car immobile till the switch is on.
How to install anti-theft devices?
Select an ARAI approved device that matches your security needs and budget.
Visit an authorised installation centre or your car manufacturer’s service workshop for proper fitting.
Allow the technician to install the device, connect wiring, and position components safely.
Test the device to ensure it activates correctly and functions without issues.
Collect the installation certificate, which confirms approved fitting and ARAI compliance.
Submit the certificate to your insurance provider so your policy can be updated and any eligible premium discount applied.
This ensures correct installation, better security, and smooth insurance benefits.
Things to consider while choosing & installing an anti-theft device in the car
• Budget:
Anti-theft devices come in numerous options in various price ranges. While a basic alarm system is budget-friendly, high-tech devices like GPS tracking may be heavy on the pocket. It's vital to consider the options that fit comfortably within your budget.
• Location:
The location of your home and workplace is crucial when selecting the best anti-theft device in your car. If car thefts are prevalent in your area—whether at work or at home—you’ll need a more advanced anti-theft device to enhance security.
• Insurance requirements:
To ensure that your anti-theft device in the car qualifies for insurance discounts, it's necessary to get it approved by the ARAI. Also, double-check that the device you are considering has this certification before you finally purchase it.
• Swift installation:
Always opt for anti-theft devices that are easy to install and use. Avoid complex devices that could lead to improper usage and security breaches.
Benefits of installing anti-theft device in a car
Installing an anti theft device improves your car’s overall security and reduces the chances of theft. Since the risk of loss decreases, insurers often provide premium discounts to encourage the installation of certified devices. Anti theft devices also help in faster recovery because many systems offer real time tracking. The additional protection gives peace of mind when parking in isolated or high risk areas. For new or expensive cars, anti theft devices act as an added layer of protection, ensuring long term vehicle safety and smoother insurance claim processing if theft occurs.
Cost of anti theft devices
The cost of anti theft devices varies widely based on the technology and features. Basic options like steering locks and alarm systems may cost between ₹500 and ₹2,000. Mid range devices such as immobilisers usually fall in the ₹3,000 to ₹6,000 range. Advanced GPS tracking and smart security systems can cost between ₹5,000 and ₹15,000 depending on brand and subscription services. While these devices require an initial investment, the long term benefits include reduced theft risk, enhanced security, and potential savings on your car insurance premium.
How much is the anti theft discount on car insurance
Insurance companies reward vehicle owners who install ARAI approved anti theft devices because they lower the risk of theft related claims. Most insurers, including Zurich Kotak General Insurance, offer a discount of up to 2.5 percent on their own damage premium. To receive the discount, you must submit a valid installation certificate and ensure that the device is approved by ARAI. This discount is applied during policy purchase or renewal and helps reduce yearly premium costs. Installing certified devices provides both financial and security benefits for car owners.
What is the impact of anti-theft devices on the car insurance premium?
Several factors affect the coverage and premium of car insurance, including the installation of anti-theft devices in the car. Will the anti-theft devices raise your insurance premium or decrease it? How does car theft affect insurance premiums? Let's find out the answers to these questions.
The amount of car insurance premium you have to pay changes significantly after installing an anti-theft device. The insurer does not have to pay any compensation when no claims are raised by the policyholder in a policy year. Hence, it is in the interest of the insurance company to make sure the car of the policyholder is equipped with an anti-theft device, as it ensures the safety of the vehicle, which is just as significant for the insurer as it is for the car owner/policyholder. Therefore, insurers encourage car owners to invest in and install an anti-theft device in the car. To urge car owners to install anti-theft devices, insurance companies offer discounts on the amount of car insurance premiums.
If you install an ARAI-certified ATD in your car, you can get a discount of up to 2.5% on the premium from your motor insurance company, such as Zurich Kotak General Insurance, while buying/renewing car insurance online/offline
Thus, anti-theft devices for car insurance offer dual advantages. Along with preventing car theft, they also help reduce your insurance premium. It is advisable to get a technology-enabled system to detect any tampering with your vehicle effectively.
FAQs
Q1: Is it mandatory to install an anti-theft device in my car?
No, installing an anti-theft device is not mandatory but is highly recommended. It not only protects your car but also helps you get a discount on your car insurance premium.
Q2. Do new car models come with built-in anti-theft devices?
Some new car models may come equipped with built-in anti-theft devices. Discuss this with the car dealer before purchasing your vehicle.
Q3: Can I transfer my anti-theft device to a new vehicle if I decide to change my car?
Yes, in most cases, you can transfer your anti-theft device to a new vehicle. However, it's important to follow proper procedures for removal and reinstallation. This helps you to ensure effectiveness and maintain eligibility for insurance discounts.
Q4: Will an anti-theft device guarantee that my car will never be stolen?
While anti-theft devices significantly reduce the risk of theft, they do not provide a guarantee. They increase the probability of theft prevention. However, it’s important to remain attentive and take other measures as well for enhanced car safety.
Q5: What are some practical tips for enhancing the security of my vehicle, in addition to using anti-theft devices?
In addition to installing anti-theft devices in the car, you can take important measures such as parking your vehicle in well-lit areas, using a steering wheel lock, and covering your vehicle when it is not in use.
Q6: What if my car gets stolen despite having an anti-theft device?
If your car is stolen despite having an anti-theft device, you can report the theft to the police and inform your insurance company immediately. Having an anti-theft device may help streamline the claims process with your insurance provider.
Q7: How much does an anti theft device save on insurance?
Installing an ARAI approved anti theft device can save you up to 2.5 percent on the own damage portion of your insurance premium. The exact amount depends on the insurer and policy. This discount encourages safer driving practices and reduces theft related claims.
Q8: Does car insurance cover the theft of personal items?
Standard car insurance usually covers theft of the vehicle but not personal belongings inside it. To protect items like laptops or valuables, you may need an additional coverage extension if offered by your insurer. Always check policy terms to understand what is included.
Q9: Are there cars that are pre fitted with anti theft devices?
Yes, many new cars come equipped with basic anti theft features like immobilisers, alarms, and central locking. Higher end models may include advanced systems. Even if features are built in, installing an ARAI approved device can help you qualify for insurance discounts.
Get Quick Quote