Will a Kill Switch Stop My Car from Being Stolen?
A kill switch can prevent car theft, but it's not a foolproof solution on its own. The kill switch works by cutting off the car's fuel supply, ignition, or electrical system, making it impossible to start the car without bypassing the switch. This adds a layer of security that can stop thieves from stealing your car, especially if they don't know how to disable it.
Here’s the hitch: Some skilled thieves may still be able to locate and bypass the kill switch, especially if they have time and the right tools. It's also important to note that a kill switch won't stop someone from physically stealing the car (if they tow it away, for example).
For your best car theft protection
A kill switch should be used with other security measures, like an alarm system, steering wheel lock, or tracking device that can track your stolen car in real time and lets you tell police where it is. Combining multiple layers of security is always your best bet to prevent your vehicle from being stolen.
How does having a kill switch affect my car insurance?
Having additional security measures like a kill switch, alarm system, steering wheel lock, or GPS tracking device can positively impact your car insurance in several ways:
Lower premiums
Some insurance companies offer discounts to drivers who have added security features to their vehicles. These features reduce the likelihood of theft, which lowers the risk for the insurer, and they may pass on some of those savings to you in the form of lower premiums. Be sure to ask your car insurance provider if you would qualify in this case.
Theft coverage
If your car is stolen despite the added security, your comprehensive coverage (which covers theft) may still apply, but the presence of these security measures could help you avoid a higher deductible or make it easier to claim compensation in the event of a theft.
Fewer claims
The more security you have, the less likely your car is to be stolen, meaning your insurer may see fewer claims from you over time. This could lead to lower rates when it’s time to renew your policy or when you shop around for new quotes.
In some cases, you may need to provide documentation (like proof of installation or specific model information for the devices) to qualify for the discounts.
What types of kill switch devices can I install in my car?
A kill switch is a security device installed in a vehicle that cuts off power to the engine or critical systems, preventing the car from starting or running. It’s designed to help deter car theft by making it difficult for a thief to start the vehicle, even if they have the keys.
Here’s how it works:
- Fuel cutoff: A kill switch can interrupt the fuel supply to the engine, preventing the car from running even if it’s started.
- Ignition cutoff: It can also interrupt the ignition system, making it impossible to start the car, even if a thief has the keys.
- Electrical cutoff: In some cases, a kill switch can cut the electrical connection, stopping the car from starting or disabling key systems that are needed for operation.
- Smartphone-controlled kill switch: Some modern kill switches allow you to control the vehicle's ignition system through a smartphone app. The switch can be turned on or off remotely.
Some kill switches are easier to install in certain types of cars than others. Typically, a kill switch is activated or deactivated by a hidden switch, key fob, or even a special sequence of actions (like flipping a hidden switch while turning the key).
Are kill switches legal in Canada for cars?
Yes, car kill switches, also known as engine cut-off switches, are legal in Canada.
What to do in case of car theft
- Call the police right away and call your insurance provider
- Have all the information that the police and your insurance company will need ready: Make, model, year of your car, any identifying features.
- Where the theft happened
- Time of day
