Tracker or no insurance

jeff16 · Feb 27, 2015

Now that our treasurer has arrived we are seeking insurance and so far have met with three companies all demanding we fit a Cat5 tracker, even Comfort. Any suggestions of where we get a tracker or any other insurance companies who are Cali friendly.

snowy55 · Feb 27, 2015

We use Vw Insurance, reasonable price, no tracker required.

mucksmuff · Feb 27, 2015

Yep we had the same problem, we were told its to do with vehicles in excess of £40000 we ended up with one of these also some only accept certain trackers :headbang

http://www.trackerfit.co.uk/cobratrak-plus-with-web-access.html

Kirk · Feb 27, 2015

Could it be to do with area / post code? We are with Comfort and parked on our drive, they did not ask us for a tracker

jeff16 · Feb 27, 2015

Our small Wiltshire village is very quiet and the postcode has resulted in lower premiums for the rest of our fleet. Comfort indicated that as it would be on a 15 plate then a Cat5 or 6 has to be fitted. At least with help from you folk I now know where to start looking and if it has to be then a Cat 6 works out at a third of the cost of Cat5. As far as quotes go for insurance Comfort are still the cheapest for me.

Taglish · Feb 27, 2015

Strange, just rang Comfort and they reminded me that when i purchase on-line I should mention that a Thatcher 1 alarm is fitted and no need for a tracker.

jeff16 · Feb 27, 2015

I queried this again with Comfort and they remained adamant. Over £55,000 list price and on a 15 plate then a minimum of Cat 6 tracker. If only my local broker could get a reasonable quote on a Cali.

motacyclist · Feb 27, 2015

This happened to us, the insurers of our previously Cali would not insure the new one without a Tracker.

I went to comparethemarket.com, after entering details there was a check box to omit any insurers requiring a Tracker and LV came out cheapest in the results; in fact they were cheaper than the current insurers even with business use which previously was excluded

pjm-84 · Feb 27, 2015

of I have looked around and have varying quotes.

C&CC - £313 (GPS tracker required)
Endsleigh (Zurich) - £420 ish
Comfort £465
LV - £490 ish

Comfort had a bit of a wobble due to an attempted theft off the drive of my Wife's X5 so had to go back to the underwriters. They stated they didn't need a tracker and the market value of our Cali is £56k

Tracker wise I'm looking at a CAT 6. However C&CC just state a monitored GPS tracker. I've found SKY-TAG which is reasonable at £125 plus (with coupon) + £75 a year.

The BMW now has the benefit of two alarms.

Tulgey · Mar 1, 2015

jeff16 said:
Our small Wiltshire village is very quiet and the postcode has resulted in lower premiums for the rest of our fleet. Comfort indicated that as it would be on a 15 plate then a Cat5 or 6 has to be fitted. At least with help from you folk I now know where to start looking and if it has to be then a Cat 6 works out at a third of the cost of Cat5. As far as quotes go for insurance Comfort are still the cheapest for me.

The problem is.........that's where the car thieves start to look.
Nice quiet villages full of nice cars to pinch!

WelshGas · Mar 1, 2015

Caravan Club - £420, no tracker. Vehicle invoice price £57000.

pjm-84 · Mar 2, 2015

Tried the Caravan Club. Their quote was over £500 and required a tracker.

Looks like Comfort. The cover and terms were far better and the 36hr rule wouldn't be an issue for us. Comfort were adamant that vehicles over £55k needed a Cat1 alarm and not a tracker (The Cali does) Over 75k need the additional benefit of a CAT 6 and over 100k a CAT 5 tracker.

jeff16 · Mar 2, 2015

Many thanks for all your help. I went back to Comfort and queried why some customers were being told they must have a GPS tracker and others accepted without. At last I found somebody who confirmed that as the SE has a Cat 1 alarm no tracker is required......Insurance now sorted at under £300 and the tracker company graciously agreed to cancel my order. I could have achieved a discount if tracker fitted but at £14 against £400 it was a no brainer. Now I can afford side rails, if only I can decide on black or stainless! A week to go and it will be a long one.

snowy55 · Mar 2, 2015

Make sure you inform Comfort if you fit side rails or any other bits and bobs that may or may not be classed as a modification, at least then they can't wriggle out of any claim.

Bellesca · Mar 3, 2015

Comfort online quote asked for a tracker..so I rang them and got the same response as jeff16 ; that a tracker isn't needed because it is a Thatcham category 1 alarm
Insurance sorted
I can now attack the rest of my shopping list :thumb