Protecting Your Motor Trade Garage: Security Measures to Lower Insurance Costs
Various security measures and improvements can affect the cost of motor trade insurance. While changes to security may not always lead to direct savings, the measures would always seek to mitigate claims and, therefore, reduce costs by limiting claims against you.
Security measures that could be considered include:
- Using Steering locks and immobilisers on all vehicles
Physical prevention measures that will undoubtedly limit the ability of thieves to steal vehicles. These would act as a deterrent and also slow any opportunistic theft. Some insurers may request these steps if a garage trades from an open forecourt.
- Installing roller shutters on any entrances
Roller shutters are an outstanding way to protect your business from potential thefts. Check your minimum standards condition wording to check compliance before making any security changes.
- Bars on windows
Installing bars on windows or opting for lockable window designs significantly reduces the risk of break-ins. These physical barriers make forced entry more difficult and serve as a visible deterrent to potential intruders.
- Double Glazing
Double-glazed windows provide an extra layer of defence. The toughened glass and sealed units are more impact-resistant than single-pane alternatives, making them harder to breach. In addition to security benefits, double glazing improves insulation and reduces noise pollution.
- Perimeter fencing / gates
Perimeter fences allow you to not only protect your premises but also clearly mark out the area of your compound or yard. This helps protect your property from potential security threats and helps to prevent unauthorised access and encroachment. In addition to enhancing security, fencing can also help safeguard against liability claims arising from trespassing or property line disputes. A well installed fence is a practical investment in safety and peace of mind.
- Bollards / Barrier installation
Installing bollards or barriers is a highly effective way to prevent vehicle theft from your premises. These robust physical structures restrict unauthorised vehicle movement, making it difficult for opportunistic thieves to drive away with valuable assets. Whether placed at entry points or around high-risk areas, bollards and barriers are a strong deterrent and add an extra layer of security to your yard or compound.
- Police response alarms
Dual communication alarm systems remain one of the most effective ways to protect your premises. These systems are typically linked to an alarm receiving centre, which can verify the alert and request a confirmed police response. This ensures that law enforcement is promptly notified and dispatched to the scene—either intercepting intruders or significantly limiting their time on-site. This rapid response can prevent theft and minimise damage in a high-risk environment like Motor Trade Garages.
- CCTV
CCTV systems continuously monitor your motor trade garage, even when you’re not on-site. Modern security camera setups often include remote access features, allowing you to view live footage from anywhere worldwide. This enables you to respond swiftly to security threats by alerting the police in real time. CCTV footage can be instrumental in supporting investigations after an incident. Whether for identifying suspects, verifying events, or providing evidence for insurance claims, a well-installed CCTV system enhances security and accountability.
Implementing the security measures mentioned above can lead to 2 key financial benefits when renewing your combined Motor Trade Insurance.
- Insurers often reward enhanced security with technical discounts. By upgrading your premises with approved security features, you may qualify for additional premium reductions that go beyond standard pricing.
- A well-secured site reduces the likelihood of theft or damage, lowering your exposure to insurance claims. Maintaining a low claims history is one of the most effective ways to keep your insurance premiums competitive over time.
If you would like to discuss an existing policy due to renew or a completely brand new policy, please contact Jensten Motor Trade on 0203 131 6899, and one of our experienced team members will discuss the options with you.
