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Does absence of an alarm/immobiliser have an effect on insurance price?

  • 19-05-2010 12:23pm
    #1
    El Horseboxo
    Registered Users, Registered Users 2 Posts: 5,341 ✭✭✭


    Looking at a car at the moment that has no alarm or immobiliser. I only have a certain budget to work with for the car and insurance price. So just wondering if anyone knows whether the lack of those security items increases the insurance by much? It's just a second run around so i'd be happy with a disklok if the price didn't jump up loads. Thanks.


Comments

  • #2
    Atomic Pineapple
    Registered Users, Registered Users 2 Posts: 18,272 ✭✭✭✭Atomic Pineapple


    depends on your insurance company. It usually does affect the price.


  • #3
    Eoin
    Registered Users, Registered Users 2 Posts: 21,257 ✭✭✭✭Eoin


    I think only your insurance company can answer that with any sort of certainty. Just ring and get a quote for the same car, with and without an alarm/immobiliser. I wouldn't be basing any decisions on what you read here.


  • #4
    Colonel Sanders
    Closed Accounts Posts: 7,669 ✭✭✭Colonel Sanders


    any quotes I've seem there have been discounts. However they have only been of the order of 2-3%


  • #5
    El Horseboxo
    Registered Users, Registered Users 2 Posts: 5,341 ✭✭✭El Horseboxo


    Thanks. I'll have to try get a chance to call them up. Was supposed to meet the fella with the car straight after work.


  • #6
    Tropheus
    Registered Users, Registered Users 2 Posts: 1,937 ✭✭✭Tropheus


    You will need to weigh up the cost benefit of not having one fitted to the any higher insurance premium.

    I feel that a immobiliser is good to have as it will stop your car being stolen by the casual theif. I think alarms are pretty useless. Who pays any attention to a car alarm siren?

    The best advice is not to leave any valuables visible in your car and your less likely to get a window smashed. If you do leave something visible, then an alarm is unlikely to deter a would-be criminal.


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  • #7
    I.S.T.
    Registered Users Posts: 893 ✭✭✭I.S.T.


    El Horseboxo wrote: »
    Looking at a car at the moment that has no alarm or immobiliser. I only have a certain budget to work with for the car and insurance price. So just wondering if anyone knows whether the lack of those security items increases the insurance by much? It's just a second run around so i'd be happy with a disklok if the price didn't jump up loads. Thanks.

    I don't think it makes a big different. Try getting an online quote with and without.


  • #8
    El Horseboxo
    Registered Users, Registered Users 2 Posts: 5,341 ✭✭✭El Horseboxo


    Got a chance to call them up at work and they never asked this time. So must not be too much of a factor. Thanks anyways lads.


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