How Much Does a Ghost Immobiliser Reduce Insurance?

For UK motorists in 2025, the question how much does a Ghost immobiliser reduce insurance is more relevant than ever. With vehicle theft still a significant concern and insurers increasingly focusing on risk reduction, it’s important to understand how advanced security systems can influence premiums. Even as average motor premiums have eased slightly in some quarters, the underlying costs of theft and repair continue to shape the market. 

At Safe & Sound, we often speak with drivers who want both peace of mind and the potential to reduce insurance costs. One of the most effective ways to achieve this is through the Autowatch Ghost Immobiliser 2, a sophisticated device designed to prevent unauthorised vehicle starts.

Why Security Matters to Insurers in 2025

From our conversations with insurers and industry experts, it’s clear that risk reduction plays a major role in premium calculations. While some premiums have decreased, the costs associated with theft claims remain high, influencing how insurers set their prices. 

Mike Powell, motor insurance expert at Defaqto, highlights that insurers are increasingly embracing technology that demonstrably reduces risk, noting that:

“technology is still the best way to bring down insurance costs for young drivers”.

Similarly, Fraser Lyall, policy adviser at the Association of British Insurers, emphasises that telematics and other tech-enabled solutions can “reward good driving” and provide benefits insurers value. 

These insights reinforce a key point: insurers in 2025 are paying attention to devices that meaningfully reduce theft risk, including advanced immobilisers like Ghost.

How a Ghost Immobiliser Works - and How Insurers View It

The Autowatch Ghost Immobiliser 2 is a discreet anti-theft device requiring a unique PIN or activation sequence before the engine will start. Unlike visible alarms or standard immobilisers, it operates covertly within the vehicle’s wiring system, making it much harder for thieves to bypass.

From an insurance perspective, devices that reduce the likelihood of theft influence risk ratings. While insurers vary in how they recognise aftermarket systems, many take into account the reduced probability of claims when assessing a vehicle’s security profile.

Insurance Savings: What Drivers Can Expect

Our conversations with drivers and brokers throughout 2025 confirm that insurers increasingly value technology that reduces risk and even where direct discounts are modest, having a Ghost immobiliser installed provides tangible evidence of proactive security, which can help in negotiations or when renewing policies.

While there is no universal fixed discount for fitting a Ghost immobiliser, our experience shows that vehicles with strong security features tend to return more competitive quotes, particularly when insurers are aware of the measures in place and can offer premium reductions of up to 20%. The Ghost immobiliser demonstrates to underwriters that a vehicle is harder to steal, which can indirectly influence premium calculations.

Combining Ghost with a Tracker for Maximum Benefit

We recommend combining a Ghost immobiliser with an insurance-approved vehicle tracker. Insurers often see tracking devices as reducing the potential cost of a claim because stolen vehicles are more likely to be recovered quickly. Recent 2025 guides indicate that using both immobilisation and tracking technology together strengthens your security profile and can support more favourable premium assessments. 

Making the Most of Your Security for Insurance

To optimise potential insurance savings, we advise drivers to declare their security devices when requesting quotes or renewing policies. Providing evidence of Ghost immobiliser installation, along with any trackers, ensures insurers can properly factor in the risk reduction. Where possible, we also recommend confirming with the insurer that your security devices are recognised in underwriting guidelines.

Conclusion: Protection Beyond Premiums

So, how much does a Ghost immobiliser reduce insurance? In 2025, the savings are not guaranteed, but insurers increasingly value technology that lowers theft risk. Installing a Ghost immobiliser, ideally combined with an insurance-approved tracker, strengthens your vehicle’s security and can help you achieve more competitive insurance quotes.

At Safe & Sound, we work with drivers across the UK to implement security solutions that not only protect vehicles but also maximise the potential insurance benefits - giving peace of mind that goes beyond the numbers.

Ghost Immobiliser Insurance Benefits FAQs

Can I combine a Ghost immobiliser with other devices to reduce premiums further?

Yes. Combining a Ghost immobiliser with an insurance-approved tracker often enhances both security and potential insurance benefits. Trackers allow vehicles to be monitored and recovered quickly, which insurers value when assessing risk and pricing policies.

Is installing a Ghost immobiliser worth it even if my insurance discount is small?

Absolutely. Beyond any potential premium reductions, the primary benefit is theft prevention. With vehicle crime still a concern in 2025, a Ghost immobiliser significantly reduces the risk of theft, providing peace of mind and protecting your car from sophisticated theft methods.

Do all UK insurers recognise Ghost immobilisers?

Not all insurers automatically apply discounts for a Ghost immobiliser. Some may consider it part of “aftermarket security” and only adjust your premium if you declare it and provide installation evidence. Checking with your insurer before purchase ensures your investment is acknowledged.