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Anti-Theft Device Discount

If you like your car, chances are someone else will, too! An average of 52 vehicles are reported stolen every day in B.C.

You can make your vehicle less appealing to thieves. Certain types of anti-theft devices have proven so effective that they will also earn you a discount on your optional Autoplan premiums.

Types of anti-theft devices

These are the main types of vehicle anti-theft devices:

Mechanical devices limit the steering wheel movement so thieves can't drive your vehicle. Steering wheel locking bars are the most common mechanical devices.
Vehicle alarms discourage thieves by drawing attention to your vehicle through loud noises (sirens, beeps, etc.). Sometimes they use flashing lights, too.
Electronic immobilizers cut off power to parts of the vehicle's ignition system so thieves can't start the vehicle. Sometimes a vehicle alarm will also have an immobilizer built into the system.

Active vs. passive

All anti-theft devices are either active or passive.

Active devices are ones you have to set yourself, usually by moving a switch, removing a separate key or pushing a button. This includes all mechanical devices, because you must physically set them in place each time you use them.
Passive devices automatically arm themselves when you turn off the vehicle and remove the key. These are considered more effective because they don't rely on human memory to be activated.

Which ones earn a discount?

To qualify for a discount on your Comprehensive or Specified Perils insurance, your vehicle must be equipped with a passive electronic immobilizer. In other words, you must have an electronic system that will cut off power to the fuel, starter or ignition system, and that automatically sets itself when you leave the vehicle.

The amount of your discount will vary according to your territory, or where you live. Motorcycles and trailers are not eligible for the anti-theft discount.

Deductible rebate

You will receive a $100 rebate toward the deductible of your claim if your vehicle is stolen and there is evidence that the anti-theft device was defeated. (You must have coverage for theft, of course.)

You will also get the $100 rebate toward your deductible if you have a claim for damage where there is evidence that someone tried to steal your vehicle, but didn't take it because your properly-installed and activated anti-theft device prevented it.