Anti-theft and insurance question

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Old Feb 9, 2009 | 11:03 AM
  #1  
mikieboyblue's Avatar
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Default Anti-theft and insurance question

Hi folks,

I have the Toyota added anti-theft alarm and am currently receiving a passive device discount from my insurance company. However, does the TCH have an active disabling anti-theft device as well?

Thanks!
Mike
 
Old Feb 9, 2009 | 11:33 AM
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Default Re: Anti-theft and insurance question

Mine is a Colt 45 auto......
 
Old Feb 9, 2009 | 12:23 PM
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Default Re: Anti-theft and insurance question

Originally Posted by mikieboyblue
Hi folks,

I have the Toyota added anti-theft alarm and am currently receiving a passive device discount from my insurance company. However, does the TCH have an active disabling anti-theft device as well?

Thanks!
Mike
I'm not sure what the insurance company's definition of active vs passive would be. In my opinion the alarm system is active (as in you actively arm it) and your SmartKey is your passive system (it is there without any further action required on your part) since the car cannot be started without the key.
 
Old Feb 9, 2009 | 12:36 PM
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Default Re: Anti-theft and insurance question

If I recall correctly, the TCH is considered an 'immobilzer' and qualifies for the active system discount.
Could be wrong...usually am.
 
Old Feb 9, 2009 | 06:46 PM
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Default Re: Anti-theft and insurance question

I think haroldo is right why else is there the flashing key in the dash???


tim
 
Old Feb 9, 2009 | 08:08 PM
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Default Re: Anti-theft and insurance question

Without the smartkey, this thing is a "brick". I have seen references on this forum that things get very difficult for even a dealer without a key.
 
Old Feb 10, 2009 | 07:10 AM
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Default Re: Anti-theft and insurance question

Originally Posted by haroldo
If I recall correctly, the TCH is considered an 'immobilzer' and qualifies for the active system discount.
Could be wrong...usually am.
That is "passive" because it does not require the drivers intervention. The alarm is active so I guess I will call the insurance company and see if I can get both an passive (already have) and active anti-theft device discount.

Just trying to save some money you know?
 
Old Feb 10, 2009 | 07:10 AM
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Default Re: Anti-theft and insurance question

Thanks everyone!
 
Old Feb 11, 2009 | 06:13 AM
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Default Re: Anti-theft and insurance question

According to my insurance company (belairdirect), a passive system is an alarm system that makes noise, but doesn't stop you from driving the car. An active system is one which also immobilizes the car, making it undriveable. The TCH qualifies as having an active system even before you add the Toyota alarm.
 
Old Feb 11, 2009 | 08:39 AM
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Default Re: Anti-theft and insurance question

Originally Posted by rmorrow
According to my insurance company (belairdirect), a passive system is an alarm system that makes noise, but doesn't stop you from driving the car. An active system is one which also immobilizes the car, making it undriveable. The TCH qualifies as having an active system even before you add the Toyota alarm.

Thanks for the clarification on active vs. passive.
 
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