Do Driveway Bollards Reduce Car Insurance? Here’s How It Works

Some insurers do take properly installed security bollards into account when setting your premium, especially for high-risk vehicles. But there's more to the story than a headline number. Let's look at how bollards can affect your insurance, and what you need to know to ask for a reduction.

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. Not everyone will see a reduction like that, and it depends on your insurer, but some insurers do take proper physical security into account.

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:

1. Contact your insurer before installation

2. Use approved installers

3. Keep all certification paperwork

4. Document the installation with photos

5. 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

High-value cars: BMW, Audi, Range Rover and more

High-value and performance models, from BMW M cars and Audi RS models to Range Rovers, are popular with keyless thieves, and they often cost more to insure as a result. If you drive one, ask your insurer whether physical security on your drive affects your premium, and keep the paperwork: the product details, the Sold Secure certificate for rated posts like the Rhino R8, and your installation invoice.

Driving a Range Rover? Read our Range Rover insurance guide.

Making It Work For You

Want to know exactly how much you could save? Give us a call for a free quote. We can give you the product details and, for rated posts like the Rhino R8, the Sold Secure Gold certificate your insurer may ask for.

Whatever your insurer decides, the main reason to fit a bollard is simple: it stops your car being driven off your drive.