People often wonder if putting your car in a garage will help lower your UK car insurance rates. Even though you should talk to your car insurance company about this, you should keep in mind the following:
Steering Wheel Locks
Steering wheel locks may make it less likely for thieves to steal your car, but most UK car insurance companies won't let the fact that you have one change how much you pay for car insurance. In short, steering wheel locks don't do much to stop a professional thief.
Immobiliser
If your car has a Thatcham Category 1 immobiliser system, you should talk to your UK car insurance company about ways to lower your car insurance premium. In fact, your car's immobiliser is likely to be the only thing your car insurance company will listen to when you ask about ways to lower your annual car insurance premium. This is because an immobiliser is a security feature that makes your car safer.
Garage
Last year, 26% of all car thefts in the UK happened right outside the owner's front door. So, if you can lock your car up at night in a garage, tell your car insurance company. There is a very good chance that this will cause your car insurance premium to go down. Keep in mind, though, that if you plan to get a discount on your car insurance because you'll be locking your car up all night, you'll need to make sure you do that. If you don't, and your car is stolen from in front of your house, your insurance company may not pay out.
Location
Last year, 64 percent of car crimes in the UK happened in the owner's neighbourhood. Most of the time, these were areas inside cities. How much your car insurance will cost will depend a lot on where you live and how often crimes happen there. So, if you get a very high quote for car insurance in the UK, you might want to think about moving.
And at last...
Obviously, locking your car is about more than just lowering your car insurance rates. It's also about making sure no one steals your stuff. To this end, keep in mind that 90% of car crime in the UK is opportunist car crime, so make sure your car is always safe and secure to reduce the chances of it being stolen.
