car alarm question?

[GenOktOniA]

i was told that if your car's stolen and your car doesnt have an alarm + imoboliser your insurance company wont pay? any one know if there is any truth behind this? just im moving to the city an heard that so felt a bit nervous about that haha

[JD]

No its NOT true, however if you state on your insurance that you do have a alarm or immoboliser and you don't have one then they may not pay you out.

[vlv8vic]

NOT true. Like JD said never lie, also if you tell them you have immob and alarm (and actually do!) you may get a reduced premium.

[VicCop]

It can also depend on what car you have. There was a time there when the Subaru WRX was a popular car to be stolen. As a result, at least one insurance company wouldn't insure them unless an anti theft device was fitted.

Also note that you will be asked these questions for a police report:

* Was it locked?
* Keys in the car? (actually inside the car, key hanging on the hook in garage doesn't count)
* Anti theft device fitted? (This can be anything designed to prevent theft, i.e. club lock, alarm, immobiliser)
* Was the device operating?

Believe it or not I have seen reports that have said 'no' to being locked and alarms etc operating and 'yes' to there being keys in them. That I recall was a brand new ute that was left running outside a shop while the owner ducked inside to grab lunch.

[GenOktOniA]

ah ok great. thanx for your help. i didnt tell lie when i took out my insurance so if the very unfortunate thing happeneds ill hopfully be right

[GenOktOniA]

how much would an alarm and a immobiliser cost me?

[VL_5SPEED]

You can pick them up for as little as $100-150. But spend the money and get a half decent one.

[woteva]

When I worked for a Servo Station a few years ago, the mechanic left a customers car un-locked with keys in the ignition, outside overnight when the place was closed. The car was stolen and the mechanics insurance paid out because he was covered for negligence