Yes, insurance companies do reduce premiums for properly installed security bollards - often by 10-15%, and sometimes even more for high-risk vehicles. But there's more to the story than just those numbers. Let's look at exactly how bollards affect your insurance, and what you need to know to get those premium reductions.
The Impact on Your Premium
Real Savings
We recently helped a Range Rover owner in London who was paying £3,800 for insurance. After installing approved security bollards, his premium dropped to £2,200 - that's a £1,600 saving in year one alone. While not everyone will see such dramatic reductions, most insurance companies offer significant discounts for proper security measures.
What Affects Your Savings
Your exact reduction depends on:
Your vehicle type (premium cars see bigger savings)
Your location (high-risk areas get larger reductions)
The type of driveway bollards installed
Professional certification
What Insurance Companies Want to See
Not All Bollards Are Equal
Here's what matters to insurers:
Professional installation with certification
Insurance-approved products
Proper depth installation (usually 1 meter)
Regular maintenance records
If you're installing bollards specifically to reduce your premium, check with your insurer first about their requirements. Some specify particular types or installers.
Getting Maximum Reductions
Best Practice
To get the biggest premium reduction:
Contact your insurer before installation
Use approved installers
Keep all certification paperwork
Document the installation with photos
Maintain annual service records
Additional Benefits
Beyond the direct premium reduction, security bollards can help:
Reduce your excess
Access insurance for high-risk vehicles
Get coverage in postcodes some insurers avoid
Prevent premium increases after claims
Making It Work For You
Want to know exactly how much you could save? Give us a call for a free quote. We work regularly with major insurers and know exactly what they're looking for. We'll help you understand the potential savings for your specific situation and guide you through getting maximum benefit from your security investment.
Remember - while bollards require an initial investment, the insurance savings often mean they pay for themselves within just a few years. Plus, you get the peace of mind knowing your vehicle is properly protected.
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