Car security is about more than just peace of mind. While no security device can guarantee a lower car insurance premium, certain measures can help reduce the risk of theft or damage — something insurers often consider when assessing overall risk.
If you’re looking to better protect your car, the following three security devices are widely used by UK drivers and are commonly associated with reducing vehicle crime.
Below, we explain what each device is, how it works, why insurers care about it, and who it may be most suitable for.
1. Steering Wheel Locks
What is a steering wheel lock?
A steering wheel lock is a physical security device that attaches to the steering wheel, restricting movement and preventing the car from being driven normally.
How does it work?
The lock physically blocks steering rotation, making the vehicle difficult to manoeuvre even if access is gained. Most models are quick to fit and remove.
Why insurers care
Insurers often view visible physical security devices positively because they:
- Act as a strong visual deterrent
- Reduce opportunistic theft
- Increase the time and effort needed to steal a vehicle
While a steering wheel lock will not automatically reduce your premium, it can support a lower-risk profile, particularly for vehicles commonly targeted by thieves.
Who it’s best for
- Cars parked on the street overnight
- Older vehicles without modern immobilisers
- Drivers wanting a simple, visible deterrent
View steering wheel locks on Amazon
2. OBD Port Protectors
What is an OBD port protector?
An OBD (On-Board Diagnostics) port protector is a locking cover that secures the diagnostic port inside your vehicle, helping prevent unauthorised access.
How does it work?
The protector physically blocks access to the OBD port, making it harder for thieves to use electronic devices to programme new keys.
Why insurers care
Vehicle theft increasingly involves electronic methods rather than forced entry. Measures that reduce electronic theft risk are therefore relevant to insurers.
OBD port protection can help:
- Reduce key cloning risks
- Add protection beyond factory-fitted systems
- Disrupt common electronic theft techniques
Who it’s best for
- Keyless entry vehicles
- Cars parked in public or shared areas
- Drivers concerned about electronic theft
View OBD port protectors on Amazon
3. GPS Vehicle Trackers
What is a GPS vehicle tracker?
A GPS tracker uses satellite positioning to monitor a vehicle’s location in real time. Some trackers are professionally installed, while others are portable or plug-in devices.
How does it work?
The tracker sends location data to an app or monitoring service. Alerts may be triggered if the vehicle moves unexpectedly.
Why insurers care
Trackers are often associated with improved recovery rates after theft, which can reduce overall claim costs.
Some insurers may ask about tracking devices when assessing cover for higher-value or specialist vehicles.
Who it’s best for
- Higher-value vehicles
- Cars parked in higher-risk areas
- Drivers wanting added recovery support
View GPS vehicle trackers on Amazon
Do Security Devices Reduce Car Insurance Premiums?
Security devices do not guarantee lower car insurance premiums. However, insurers assess overall risk, and effective security measures can support a lower-risk profile.
Different insurers consider security features in different ways, particularly for vehicles at higher risk of theft.
Key Takeaways
- Security devices can help reduce theft and damage risk
- No device guarantees cheaper insurance
- Visible and electronic security measures both matter
- Insurers assess overall risk, not individual products
Frequently Asked Questions
Do security devices guarantee cheaper car insurance?
No. Security devices do not guarantee lower premiums, but they may help reduce overall risk.
Are steering wheel locks worth using?
Yes. They act as a strong visual deterrent and can discourage opportunistic theft.
Do insurers care about OBD port protection?
Some insurers are increasingly aware of electronic theft methods and may view additional security positively.
Is a GPS tracker required for standard cars?
Usually not. Trackers are more commonly associated with higher-value vehicles.
Should I tell my insurer about added security devices?
Yes. Always keep your insurer informed so your policy details remain accurate.