A Ghost immobiliser counts as approved for your policy when your insurer confirms that the exact model, fitted by your chosen installer, meets the security condition on your quote or schedule. Product verification, your policy condition and your premium are three separate checks, so get a written answer from your insurer before you book. If your policy asks for an S5 or S7 tracker, go straight to the policy table.
Check the exact Ghost model
Autowatch sells more than one Ghost, and your insurer needs to know which one you have or plan to fit. Compare the model named on your quote or existing invoice with the manufacturer and register entries below.
Ghost-II
TASSA's verified products list includes the Autowatch Ghost 2 Immobiliser. Autowatch calls the same product Ghost-II and describes it as TASSA verified. That confirms the product listing. Your insurer still decides whether it satisfies your policy.
Ghost III
Autowatch's Ghost III page describes a CAN-FD immobiliser. The TASSA list includes an entry named Ghost III Pro FD. Ask your fitter for the exact model and part reference of the unit you have or plan to fit. Then compare it with the TASSA listing, or ask Autowatch or TASSA to confirm that it matches the Ghost III Pro FD entry. If you're considering this model, our Autowatch Ghost III fitting page covers the installation itself.
What the security labels mean
- TASSA product verification relates to the device itself, as shown on the verified products list.
- TASSA installer registration covers companies and individual fitters. You can search the TASSA installer directory.
- Installation certificates record a specific fitting. TASSA provides an update process for certificates when a vehicle changes keeper or registration.
- Thatcham categories come from a separate scheme. Thatcham Research defines Category 2 as electronic immobilisation, S5 as vehicle tracking and S7 as asset location. Thatcham states that its certification doesn't guarantee recognition by insurers. Only treat a Ghost unit as Category 2 if you find a Thatcham certification record for that exact model.
Read the security condition before you book
Look at your quote summary, your policy schedule and any endorsements. Endorsements are additions or changes to the standard policy wording, and a security condition may appear there. Copy the clause word for word so you can quote it to your insurer.
| Policy wording | What to check | Next action |
|---|---|---|
| Immobiliser or Thatcham Category 2 required | Whether the clause names Thatcham Category 2 certification or accepts an immobiliser your insurer approves. Whether Thatcham lists a Category 2 certification for your exact Ghost model. | If you find a matching record, give the insurer its details. If you don't, ask the insurer to confirm in writing that your named Ghost model satisfies the clause. If they agree to different wording, ask for the change in writing. |
| S5 vehicle tracking system required | A Ghost immobiliser doesn't track the vehicle, so it can't supply the tracking an S5 clause asks for. Check which S5 model the insurer accepts, whether monitoring or a subscription must stay active and when proof is due. | Fit an S5 tracker that meets the clause, such as the Scorpion S5-VTS if your insurer confirms it, and keep the activation record. A Ghost can sit alongside it as extra security. Only your insurer can agree to change the tracker requirement, and any change should be in writing. |
| S7 asset location system required | A Ghost immobiliser doesn't supply asset location, so it can't meet an S7 clause on its own. Check which S7 model the insurer accepts, whether a subscription must stay active and the deadline for proof. | Fit an S7 device the insurer accepts, such as the Scorpion S7-ALS if they confirm it, and keep the activation evidence. Get any agreed change to the clause in writing. |
| “Approved security device”, or no security wording | What the insurer means by approved, whether a Ghost would satisfy a condition or simply be recorded as additional security, and whether declaring it changes your price or terms. | Send the message below and wait for a written reply before you book. |
Tracker clauses can carry ongoing duties. In one Financial Ombudsman Service decision, the policy required the tracker to be operating with an active subscription. That outcome turned on one policy and one set of facts, so check your own wording. Our guide to S5 and S7 tracker requirements explains the categories in more detail.
Ask your insurer in writing
Send this through the contact channel your insurer or broker tells you to use, such as your online account or their published email address. Replace the bracketed fields. If your quote or schedule has no security wording, delete the paragraph that quotes the clause and change “the clause above” in question 1 to “any security condition on my policy”. Leave out anything security-sensitive, including PINs or override codes.
Hello,
My policy or quote reference is [policy or quote reference]. The vehicle is a [make, model and registration]. I [plan to have / already have] an Autowatch [exact Ghost model and part reference, if known] immobiliser fitted. The fitting date is [proposed or actual fitting date] and the installer is [installer name].
My quote or schedule includes the security wording “[quoted clause]”.
Please confirm the following in writing.
- Does this device satisfy the clause above, or would you record it as additional security only?
- Do you require a particular installer, installer registration or certificate?
- Do I also need a tracker in a specific category, and must monitoring or a subscription stay active?
- What proof do you need, how should I send it and by what date?
- Separately, will declaring this device change my premium or any other terms? If so, please send the revised price and terms.
Thank you,
[your name]
Keep the fitting evidence
Before fitting, ask us what we can supply for the unit you've chosen, then check that it matches what your insurer asked for.
After fitting, keep these records together.
- Itemised invoice or job record
- Exact model and any part reference
- Fitting date and installer details
- Any certificate or registration reference that applies
- Tracker activation and subscription evidence, if your policy requires a tracker
- Your insurer's written confirmation
Submit proof the way your insurer specifies and keep the updated policy confirmation they send back. If the Ghost came with a used car, ask the original fitter for the records, or use TASSA's certificate update route if an existing certificate applies.
Ghost immobiliser insurance questions
Which insurers accept an Autowatch Ghost?
Acceptance depends on the insurer, the policy and the security condition on your quote. Ask your insurer or broker directly, giving the exact Ghost model and the clause you need to meet, and get their answer in writing.
What do I select if my insurance form doesn't list Ghost?
Describe it as an aftermarket immobiliser and give the exact model. Ask your insurer or broker which option they want you to choose before you submit the form. Avoid selecting factory fitted, a tracker category or a certification you haven't matched to your unit.
How do I declare a Ghost immobiliser that's already fitted?
Find the invoice or fitting record, confirm the exact model, then contact your insurer and ask how they want it recorded. If you bought the car with the Ghost already fitted and an existing certificate applies, check TASSA's update process for new keepers.
What proof of fitting might my insurer ask for?
It could be an itemised invoice, an installation certificate or, for a tracker clause, an activation record. Ask which documents they need and the deadline, then send only those that apply. Our fitting evidence checklist lists what to keep.
Book the fitting your insurer confirmed
Your insurer has confirmed a Ghost immobiliser. Book Ghost immobiliser installation, or go to Autowatch Ghost III fitting if that is the model they named. Have their reply to hand when you book so the unit matches what they confirmed.
Your insurer requires an S5 or S7 tracker. Read our guide to S5 and S7 tracker requirements, then explore vehicle tracker fitting once you know the category and model.
Not sure which unit is on your quote? Send us an enquiry with the model details and we can talk it through.
