If I install a kill switch, will my car get stolen? A kill switch works by cutting off your car's fuel supply, ignition, or electrical system, making it impossible to start it without bypassing the switch. A kill switch adds a layer of security that can stop thieves from stealing your car, especially if they don't know how to disable it.
What’s the problem then? Some skilled thieves may still be able to locate and bypass the kill switch, especially if they have the right tools, time, and know-how. Unfortunately, a kill switch won't stop someone from physically stealing your car if they tow it away or load it on a flatbed trailer.
You need multiple layers of security with a kill switch
Ideally, a kill switch should be used with other security measures, such as an alarm system, steering wheel lock, or tracking device that can follow 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 thieves from stealing your car.
Does 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.
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.
Theft coverage
If your car is stolen despite the added security, your comprehensive coverage (optional car insurance that 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 case of theft.
Fewer claims
The more security you have, the less likely your car is to be stolen. 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. It’s designed to help deter car theft by making it difficult to start the vehicle, even if a thief has 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.
Usually, a kill switch is activated or deactivated by a hidden switch or key fob.
Are kill switches legal in Canada?
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.