![]() ![]() Compulsory excess – this is decided by the insurer.There are two elements to car insurance excess: For example, if you make a claim for £800 worth of damage and the excess on your policy is £200, the insurer will pay £600. ![]() The ‘excess’ on a car insurance policy is the amount the policyholder pays in the event of a claim – then the insurer pays the rest. A private driveway or car park is the most secure, while parking on the street puts your car at higher risk of it being stolen or damaged – resulting in a higher insurance premium. Insurers also consider where your car is parked overnight when calculating insurance costs. A dashcam is a video camera mounted on the dashboard or windscreen of your car and used to continuously record the road and traffic through the windscreen. Some insurers offer a discount on your premium if you have a dashcam, as these can help prove who it is at fault in an accident. Lower Thatcham categories include things such as wheel locks and trackers. It will also have a siren powered by its own battery supply.Īn immobiliser is a device that only allows your car to start by using the correct key or fob – it can’t be hot-wired by thieves. There are various classes of Thatcham security – an electronic alarm and immobiliser is class 1 and the best.Ī Thatcham Category 1 alarm will have perimeter and ignition detection, and incorporate movement, broken glass and tilt sensors. A ‘Thatcham-approved’ security device will lower the cost of your insurance. Thatcham is an independent institution that rates car security and helps car insurance companies factor this into their price calculations. There are various high-tech devices that can either make it more difficult for thieves to steal your car or make it easier to find if it is stolen. The more secure your car is, the harder it will be to steal. ![]()
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