Is a car alarm required for my car?

Theft or burglary of your car is something you always want to prevent, of course. One of the things you can do yourself to secure your car is to install a car alarm. But which car insurance policy requires a car alarm? What risks do you run the moment your car alarm does not meet the insurer's requirement?

When is a car alarm for my car mandatory?

With car insurance with a single basic third-party coverage, the insurer will not require an alarm system. With a WA coverage there is no coverage for car theft and car burglary. This is different for car insurance with WA limited casco or WA All Risk coverage, where the insurer does assume the theft/burglary risk. In these cases, insurers may impose certain safety or alarm requirements.

There are several alarm requirements that an insurer may impose on your car. This depends on the make and type of car. Moreover, this still varies by insurer. For example, there may be specific alarm requirements if you own a car with a high list value. But there may also be alarm requirements for certain vintage cars, sporty cars or certain limited editions.