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Tightened requirements for car with keyless entry

Oct 16, 2019
3 min reading time

Getting car insurance for your car with keyless entry could be problematic as of 2020. What does that have to do with?

Inspection service Kiwa tightens requirements for cars with keyless entry. Insurers are responding differently. It has been in the news a lot lately. There has even been talk that it would no longer be possible to insure these cars. What are the implications for owners of cars with keyless entry?

Keyless entry how does it work?

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 pick up the signal from the key and 'extend' it wirelessly to a transmitter. When the car touches the door, it thinks the key is nearby and unlocks it.

Are there any implications for car insurance with keyless entry?

Starting July 1, 2020, cars with keyless entry will require an additional measure to obtain the Vehicle Security Certificate. The impact will mainly apply to models that have been on the market for some time. These cars are not expected to have systems that meet the new security requirements. No problems are expected for cars new to the market. These cars almost all have good security.

Insurers are reacting differently to the new security requirements. In order to obtain theft insurance from July 2020, some insurers will actually impose additional security requirements. Without holding a new CCV vehicle security certificate, car insurance is not possible with these insurers. Other insurers will increase the car insurance premium for a car with keyless entry. In addition, there are also insurers that will not change anything.

What does keyless entry mean for car insurance?

It does not mean that if you do not have a certificate, it is not possible to get car insurance for your car with keyless entry. Nor does it necessarily mean that your car insurance will become more expensive. Each insurer may react differently to this. Want to know exactly what it means for you? Then contact your insurer and ask what requirements will be imposed. Having a (valid) certificate does not mean that you do not have to change anything. The insurer may have additional requirements.

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