if central locking system (Autocop) installed then they do charge insurance premium less than what it would be without autocop. Price of autocop is not included while calculating insurance premium.
ABS should also be considered for this, but having ABS and EBD in a car increase its price by 30000 to 50000 depending upon models of car. So the insurance premium gets calculated based on the actual car price. Remember it is standard fitment of car and adds value to car.
Regarding gear lock, I do not think insurance company will consider this.
How would one ensure that everytime driver gets out of car, he/she should put gear lock? This is not an automatic procedure.
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Seat belts are not as confining as wheelchairs...
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