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Winnipeg Demands Immobilizers on High-Risk Cars

mytrip writes with a Reuters article about a new, unusual insurance requirement for drivers in Winnipeg, Manitoba. Apparently Winnipeg is one of the worst cities in Canada for auto thefts. New and 'high-risk' cars will now be required to install an electronic immobilizers in order to qualify for car insurance. "Chomiak said cars are stolen twice as often in Winnipeg as in other Manitoba cities, while a 2005 report from Statistics Canada said the city had a higher per-capita car theft rate than larger cities like Vancouver, Montreal and Toronto. The province, where cars are insured through Manitoba Public Insurance, will fork over C$15 million ($14 million) so that owners without immobilizers can have them installed."

23 of 242 comments (clear)

  1. So? by G-funk · · Score: 4, Interesting

    How can this not be a requirement? In Australia it's been that way for ages, and all new cars have to have immobilizers fitted.

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    1. Re:So? by borizz · · Score: 2, Interesting

      Same here. It's not an option, it just comes with the car. Just like steering lock.

      Ah well, if the insurer pays for it and it keeps your car that bit more safe, why not do it?

    2. Re:So? by davester666 · · Score: 2, Funny

      This totally infringes on the rights of car thiefs. Thiefs have to eat too!

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  2. Naive by 12ahead · · Score: 2, Insightful

    First thought: electronic immobilizers - why bother? Isn't the way to steal cars these days with a laptop to reprogram all the systems so that the actual think actually drives? How difficult would it be to bypass the immobilizer? Seems to me that they could spend the $14m on installing CCTV or having more police on the street.

    ahem... This is the Anti-Libertarian discussion forum, right?

    1. Re:Naive by borizz · · Score: 5, Insightful

      Yes, you might be able to hack around the immobilizer. However, you'd need some hardware and knowledge to do that. It raises the barrier of entry, so less cars will get stolen (that's all the insurer cares about).

    2. Re:Naive by timmarhy · · Score: 5, Insightful
      whats your logic there sunshine? we can't 100% stop car thieft so do nothing about it at all? immobilizers make it hellish hard to steal a car compared to one without. it stops the normal method which is smash a window and rip out the ignition wires and cross them.

      the vast majority of theifts are punks stealing a car for a joy ride, they aren't bright enough or organised enough to have a laptop on hand to hack the cars electrical systems.

      the only cars that might be targeted by professional gangs would be expensive or hard to get cars they can resell, and if you have one of those then you've most likely got state of the art alarms anyway.

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    3. Re:Naive by compro01 · · Score: 4, Insightful

      How difficult would it be to bypass the immobilizer

      presumablely harder than smashing the window and hot-wiring it.

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    4. Re:Naive by Jah-Wren+Ryel · · Score: 3, Informative

      the vast majority of theifts are punks stealing a car for a joy ride, they aren't bright enough or organised enough to have a laptop on hand to hack the cars electrical systems. the only cars that might be targeted by professional gangs would be expensive or hard to get cars they can resell, You obviously don't know a thing about car theft, except perhaps what you've seen in the movies.
      Here's the top-ten list of most stolen cars in the USA for 2005:
      1. 1991 Honda Accord
      2. 1995 Honda Civic
      3. 1989 Toyota Camry
      4. 1994 Dodge Caravan
      5. 1994 Nissan Sentra
      6. 1997 Ford F150 Series
      7. 1990 Acura Integra
      8. 1986 Toyota Pickup
      9. 1993 Saturn SL
      10. 2004 Dodge Ram Pickup
      Professional car theft is ALL about the used-parts markets - stolen cars invariable end up in chop shops and sold for parts. The biggest market for car parts isn't going to be high-end one in a million models, it is the mom and pop with a million on the road models.
      --
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    5. Re:Naive by zenyu · · Score: 2, Interesting

      3. 1989 Toyota Camry

      This may explain why my 89 Camry has been broken into three times in the last year. It never has anything valuable in it and has a 3rd party immobilizer, but it's still $75 & 20 minutes of my time get the right rear window replaced each time it happens. Maybe next year they will move on to the 1990 Camry. :)

  3. Eh? by Tim_UWA · · Score: 3, Interesting

    What kind of an idiot is willing to pay however much per year to insure their car, but not willing to pay a measly $80 once-off for an immobiliser?

    Plus, I'd much rather have my car not stolen than have an insurance company give me money when it is stolen. Especially considering the headache you have to go through in order to get it.

    1. Re:Eh? by onosson · · Score: 2, Informative

      I'm from Winnipeg, and actually Manitoba Public Insurance pays the entire cost of the immobilizer for the high-risk vehicles, so it's not even a cost issue. Plus, you get a discount on your annual insurance for having it installed as well. I got mine immediately when the program started, it's only saved me money.

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      ? syntax error
  4. Anyone want to give details by Kadin2048 · · Score: 2, Interesting

    Anyone out there familiar enough with the systems involved to describe exactly what they're trying to mandate?

    Most new cars I've bought in the past 8 years or so have had systems that prevent the engine from starting if the car doesn't handshake with a microchip in the ignition key shank. (However, contrary to what some people apparently believe, they don't make the cars impossible to steal, of course.) Is this what they're talking about? I can't imagine it would be easy to retrofit one on a car that doesn't have one already, since it's a pretty integral part of the ignition system and ECU.

    According to this page, there are only a few immobilizers that pass some sort of Canadian standard, but I couldn't get any information on how they work by Googling them, and they don't seem to be widespread outside of Canada. (Or actually outside the province of Manitoba at all.) The small number of approved designs combined with making them very widespread via compulsory installation seems like a recipe for disaster: if the thieves are already getting past the safeguards built into modern cars from the factory, they're not stupid; I expect it won't be long before how to bypass them becomes common knowledge. [1]

    I think this is the web site of one manufacturer of approved devices, Autowatch. Basically they look like some sort of key-fob RF transponder that communicates either automatically or on-command with a receiver in the car that immobilizes it. Seems like there's a variety of attack vectors there, from just routing around the disablement device in the car, to faking the code (easy if it's a rolling-code system, harder if it's a public-key handshake). Ups the ante a little bit, and it might make thieves target older cars instead of newer ones (which doesn't strike me as an exactly socially useful outcome) or push them to neighboring provinces, but I'm pretty skeptical that it'll have much of a substantial long-term effect on crime.

    [1] If I were living there I'd also be immediately and deeply suspicious of any government mandate that requires the purchase of a device from a for-profit corporation, particularly when it only gives you the choice of three corporations, and one corporation makes 3/5 approved models. Seems like a recipe for corruption to me. But then again, I don't trust government further than I can throw it. (And an insurance company run by the government? Nightmare.)

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    1. Re:Anyone want to give details by onosson · · Score: 3, Informative

      To address one of your comments - Manitoba Public Insurance pays the entire cost of the immobilizer, and provides a discount on your premium once you have it installed. Also, it seems that most of the vehicle theft here in Winnipeg is by youth taking the cars on joyrides, so the electronic bypass methods are probably not a big issue. And Winnipeg is FAR from any other major cities (Minneapolis is the closest large city - almost 800 kms away!) so I don't think thieves are going to be going cross-border as a result.

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      ? syntax error
    2. Re:Anyone want to give details by jimicus · · Score: 4, Insightful

      Immobilisers have been a legal requirement for all cars in the UK for nearly 10 years now. Generally, they're the "microchip in the ignition key" type you describe.

      And no, they're not impossible to work around - otherwise anytime someone lost their keys they'd have to write off their car - but they involve more work than your average teenage joyrider is prepared to put in.

      This has led to a number of alternate attack vectors being used for car theft:

      1. Steal the keys first then the car from the owners driveway. Easy enough if they leave the keys in a bowl by the front door.
      2. Carjacking. (Oh wonderful, we've replaced the essentially non-violent crime of car theft with the rather more violent crime of carjacking)
      3. Steal an older car.

      You occasionally hear of more sophisticated things going on - like showing up in an official-looking tow truck and lifting the vehicle, with a view to sorting out "how to start the damn thing" at leisure - but that's pretty rare.

    3. Re:Anyone want to give details by SeanAD · · Score: 2, Interesting

      You are not far off in being suspicious of this government body's mandate to get immobilizers installed. In theory, it sounds like a fantastic idea; in practice, it can be a disaster: Cars that come with a factory-installed immobilizer are not exempt from MPI's demands. The factory-installed immobilizers aren't accredited, MPI says, so they have to get a MPI-sanctioned immobilizer installed. Often, the immobilizers that are installed wreak havoc with the engine's electronics and/or a previously installed electronic device, like a remote starter. As one columnist put it here, this is not a simple matter of an insurance company wanting immobilizers. Something is definitely fishy about this demand and how it's being implemented.

  5. Actually, government insurance works quite well by Rix · · Score: 3, Interesting

    In fact, for profit insurance is stuck in a fundamental conflict of interest; they will be most successful by finding ways to weasel out of their obligations. Government insurance, on the other hand, is beholden to the voters, and doesn't embezzle premiums off into profit. Further, it greatly simplifies the system. If there's an accident, there's only one party to make payments, not 2 or more who will fight about who should pay what percent.

    A well regulated market has many useful places in society, but financial services is not one of them.

    1. Re:Actually, government insurance works quite well by NoMaster · · Score: 2, Insightful

      I was going to mod you +1 Insightful, but you left out the actual option the insurance companies choose:

      The insurance companies realise that by charging the fewer higher-risk customers more, they can charge the rest of their customers fractionally less. Thus, the insurance company makes more money, attracts more customers, and responsible people end up playing almost as much as they would anyway!

      In other words, insurance companies are screwing you either way - regardless of whether your a chain-smoking crap-eating poor driver, or a non-smoking healthy-eating good driver.

      The situation is rapidly approaching the point where it's almost worthwhile to take the money you'd pay in insurance and invest it yourself. The only problem with that it you're only averaging risk one way - temporally. It would be worth it if you could get a few people together, form some sort of co-op, hire some actuaries to gauge risk, set premiums appropriately... hey, then you could sell policies to other people, get greedy, screw them over bothways, and make shitloads of profit!

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    2. Re:Actually, government insurance works quite well by TheLink · · Score: 2, Informative

      "charging the fewer high risk customers more they can charge the rest of their customers less" "This is a text-book example of how free markets can accomplish good things."

      But is it actually cheaper or not? Do they actually charge the rest of their customers less?

      After all another poster said: "You might think so, but Manitoba has one of the lowest overall insurance rates in the whole country"

      To be fair we will have to factor in any public money the Government puts in or takes out from the insurance scheme. But it seems that Manitoba is doing OK:

      http://www.mpi.mb.ca/English/newsroom/articles/200 7/nr_PUB_Highlights.html

      Quote: "Manitoba Public Insurance reported net income from annual operations of $68.4 million, thanks to a strong economy and investment revenue. This was reduced to $8.7 million after the corporation provided customers with a $59.7 million premium rebate."

      How many private insurance companies are going to do that? The CxO's will get multi million dollar bonuses and say it's their right after all they did a good job.

      In my opinion, "the free market" is quite overrated. I'm not against it of course, just too many people seem to blindly worship it or something. They forget it's _their_ job to be the "Invisible Hand". If you have good people in charge, even a crappy system can work ok.

      Here's my light bulb joke for you:

      Q: How many free market economists does it take to change a lightbulb?

      A: Free market economists don't change lightbulbs, they prefer to write their papers in the darkness while waiting for Adam Smith's invisible hand to do it for them

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    3. Re:Actually, government insurance works quite well by JonathanR · · Score: 2, Insightful

      I know a guy who did this with his extended family. He said it's amazing how driving attitudes and general care changed when the insured were also the (significant) "shareholders". Additionally, during the time he had this arrangement in operation, they actually ended up with so much money they decided to distribute dividends.

      This was in Australia, where the insurance scope was for the insured vehicle and third party property damage. Third party injury etc is covered under a compulsory basis, usually paid with the annual registration fees.

      I guess that this is how insurance companies actually start. They would then on-sell the risks they couldn't manage to a reinsurance company.

    4. Re:Actually, government insurance works quite well by Ironsides · · Score: 2, Interesting

      We call them cooperatives here. I personally think cooperatives tend to be better for _everyone_ (customers, society) as a whole.

      Seconded. Although, I don't get why they are more common here in the USA. (Are you in Canada or another country?) It's easy to find them here.

      But you don't get mega payouts here. In fact, the stingy bunch don't even give you full resale value of your car (they do something like go through classifieds and look for the cheaper prices for that model - not exactly I guess but seems that way to me ).

      I think those mega buyouts are rare. I don know anyone who's been on either end of one. Then again, I usually think people that are doing that are trying to scam the insurance company.

      Well, I can go over this for USAA as my dad got his car totaled last month. Most payouts are based on the Blue Book value of the car. My dad's came out to about $8.5K from them, except it had been in an accident previously. The insurance company gave ~$7.5K. The only hard part in all this was finding out when the tow-truck was going to take the car away. Car was totaled in that it would cost more to fix than it's value, car was still drivable in that it would run.

      Never had a problem here with them trying to cheat us.

      --
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  6. Re:being someone from winnipeg by Divebus · · Score: 4, Funny

    Put immobilizers on the kids. It's called "jail".

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  7. Yup, they work...but the problem remains by Bearhouse · · Score: 3, Interesting

    From the UK 'Home Office', "Since 1997, vehicle crime has fallen by 51%. Despite this, according to the British Crime Survey there were 1,731,000 vehicle crimes during 2005-06".

    The downside is that if you have a high-value car, criminals now either break into your house to get the keys, or hijack you. My brother-in-law used to drive an Audi RS4, (with the BMW M5, the vehicle of choice for bank and smash and grab crimes). After the SECOND time he and his wife were threatened with knives and beaten, (in the centre of a major city each time), he replaced it with something rather more modest...

  8. Old cars had them... by Bazman · · Score: 5, Funny

    All old (non-diesel) cars had engine immobilizers. You popped the top off the distributor cap and took the rotor arm out. How many joy riders carried a selection of spare parts with them? Ah, the joy of analogue tech.