Is insurance for cars with keyless entry more expensive?

A car insurance locking your car with keyless entry can be problematic. A large proportion of cars with keyless entry comply, according to the Center for Crime Prevention do not meet the new requirements for the CCV Vehicle Security Approval Mark. Inspection service Kiwa is tightening the requirements and insurers are responding. What are the consequences for your car insurance if you own a car with keyless entry?

Car with keyless entry

A car with keyless entry is a car that can be opened, closed and started without the need for a car key. Whereas it was previously seen as a luxury option when buying a car, it is increasingly seen as prone to theft. The principle is simple: doors are fitted with a sensor or button. When one of the doors is grabbed, the car sends a signal to the key, which responds with a code. If the code is correct, the doors unlock. If you then touch the door again, they lock again.

The danger of keyless entry is that criminals can capture the signal from the key and "extend" it wirelessly to a transmitter. The car, upon touching the door, thinks the key is nearby and unlocks.

Tightened requirements

To obtain the Vehicle Security Certificate, an additional measure will be required for all cars with keyless entry starting July 1, 2020. Models that have been on the market longer are expected to face problems. In many cases, these cars will not have systems that meet the new security requirements.

Cars newly introduced to the market will almost all have good security. So for these, the tightened requirements will not pose any problems.

Response from insurers

The response from insurers varies. To obtain insurance against theft, some insurers will impose additional security requirements. If you are not in possession of a new CCV vehicle security certificate, then taking out car insurance with these insurers is not possible. In addition to setting additional security requirements, there will be a number of insurers who will increase the premium for a car with keyless entry. Furthermore, there are also insurers that do not change anything.

So it does not mean that if you do not have a certificate, it is not possible to get car insurance for a keyless entry car. Check with your insurer what the requirements are. Do you already have a (valid) certificate? Perhaps there are additional requirements from the insurer.

Questions?

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