Solution finder

Our quick guide to help you choose the right security solution for your vehicle.

Vehicle security is no longer a one-size-fits-all solution. With an increasing range of vehicle types, uses, and associated risks, insurance customers must be guided to select the most appropriate security solution tailored to their specific needs. Whether it’s a high-performance luxury car, a family SUV, or an agricultural utility vehicle, the right security measures not only protect the vehicle but can also reduce insurance premiums and improve claim outcomes.

Understanding the Vehicle and Its Use Case

The first step in selecting the appropriate security solution is understanding the vehicle type and how it is used:

Luxury and High-Value Vehicles: These are prime targets for organised crime due to their resale value. Owners of such vehicles should be encouraged to invest in Thatcham-approved tracking systems, immobilisers, and advanced alarm systems. Enhanced GPS tracking with remote immobilisation capabilities can provide peace of mind and assist recovery in case of theft.

Everyday Vehicles (Cars and SUVs): For standard road vehicles, the emphasis should be on layered protection. This might include a manufacturer-fitted alarm, steering locks, and OBD port protection. For customers parking on streets or in high-crime areas, dash cameras and driveway CCTV can act as both deterrents and evidence tools.

Commercial and Fleet Vehicles: Vans and fleet vehicles are often targeted for the tools or goods they carry. Here, insurers should recommend tamper-proof locks, tool safes, GPS trackers, and geofencing technology. Vehicle and cargo monitoring systems can provide real-time alerts and location history, helping mitigate both theft and fraudulent claims.

Agricultural and Rural Vehicles: Tractors, quad bikes, and other agricultural machinery often operate in isolated areas, making them vulnerable to theft. These vehicles benefit from ruggedised GPS trackers with long battery life, hidden kill switches, and lockable storage compounds. Geofencing can alert owners if equipment leaves designated zones.

Matching Security Solutions to Insurance Requirements

Insurers often tier coverage based on the level of security fitted to the vehicle. For example, fitting a Category 5 or S5 Thatcham-approved tracking device may be a condition of cover for high-value or high-risk vehicles.

Considerations for Implementation

Customers should also consider:

Power source and installation: Hard-wired vs battery-operated trackers, especially for non-road vehicles.

Real-time monitoring: Opting for solutions with 24/7 control centres for rapid response.

Insurance-approved devices: Always check that devices meet insurer standards to avoid issues during claims.