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Tracker, insurance, what's the real story?

Discussion in 'General Land Rover Forum' started by raywin, Feb 12, 2017.

  1. raywin

    raywin Well-Known Member

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    I am thinking of fitting a tracker to my defender after all the publicity about thefts lately. I was looking at the sky tag one which costs about £130 to fit and then £7 per month but claims to be insurance approved.
    Now the real question has anyone had one fitted and if so what kind of discount did the insurance really give you?
    I will probably have it fitted anyway just to try and cut the odds of loosing something I have sunk money and hard work into, but just curious.
     
  2. raisingveg

    raisingveg Member

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    I don't have the sky tracker I have this one

    on the reviews side you need to read the intelligent ones.
    I have this fitted and its amazing I use a giff gaff 5 pounds a month sim
    im yet to ask for a discount on my insurance but will let you know
     
  3. payydg

    payydg Active Member

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    I also have one of these. It's pretty good actually and you can use it with the Back2you app. Can set up geo fences etc
     
  4. raywin

    raywin Well-Known Member

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    That's interesting.
    I heard the insurance people sometimes treat home install trackers like home install burglar alarms, I have a home alarm but because I don't have it on a maintenance contract they won't offer me any discount I have to be carefull not to mention it on my insurance some one told me if you have one and someone breaks in when it is not set they try to use it as a reason not to pay you.
     
    bankz5152 likes this.
  5. bankz5152

    bankz5152 Well-Known Member

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    Im with raywin on this one. Fit one but keep it to yourself, monitor it and track it yourself. Plus who knows what the insurance company may do with the information (think little black box kinda thing)... Plus I don't think the discount is that large.
     
    Mr S1 likes this.
  6. raywin

    raywin Well-Known Member

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    Yes I wonder what the discount really is , people mention discount but I have never seen any numbers put to it. Is it worth the hassle, I will add a tracker anyway I know they are not perfect, but as they used to say to me
    it's not much but it's a bit more
     
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  7. raisingveg

    raisingveg Member

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    looks like a case of mums the word then
     
  8. brian47

    brian47 Well-Known Member

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    There's one trouble with all these additions that might or might not elicit a discount from an insurance company and that is you've got to hope that they will take your word for it.
    Doubtless, in the case of vehicle security systems such as trackers or even enhanced intruder alarm/immobilisers, they will only be interested if it's a Thatcham approved design, installed by one of their approved installers and it's inspected or calibrated annually to maintain any discount on your premium.
    The inspection fee might even exceed the discount.
     
    Last edited: Feb 13, 2017
  9. Flossie

    Flossie Well-Known Member

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    They probably won't pay out if it gets nicked cos it had a 'modifacation' (tracker) that you failed to declare!
    Bit tongue in cheek but...:rolleyes:
     
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  10. raywin

    raywin Well-Known Member

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    There a place called flat dog who will fit it for £129 and they give you a certificate for the insurance people, then there is a fee of £7 per month for the service,
    http://www.flatdoguk.com/search.asp?types=SECURITY+>+SKYTAG

    but as I say hard to find someone who can say "I did that and they gave me xxx discount"
     
    Last edited: Feb 13, 2017
  11. Kwakerman

    Kwakerman Well-Known Member

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    You could try go-compare, set up a factitious person with similar age / driving history / vehicle etc then try an on-line a quote with tracker and without and see what the difference is.
     
  12. Marmaduke

    Marmaduke Well-Known Member

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    Humblest apologies I've just been out for a curry :p

    I have a skytag and I've declared it to @Adrian Flux and I get bugger all discount on my premium even though when I had it stolen it was located and retrieved in 25 minutes saving them paying out to replace it. I still wouldn't be without though if for nothing more than peace of mind. I wouldn't have the discipline to use pedal or steering lock jobbers and the skytag is always there.
    Personally anyone who has a tratter and doesn't fit one is a muppet or lives in a right nice area
     
    Mr S1 likes this.
  13. Marmaduke

    Marmaduke Well-Known Member

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    I think it's only proper 'tracker' trackers that are professionally fitted that qualify for a discount
     
  14. raywin

    raywin Well-Known Member

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    Cheers Marmaduke hope you remembered to put the toilet roll in the fridge, unfortunately that's what I was expecting, but glad to hear that it helped you get your vehicle back, I will probably use skytag now just to give me that bit of extra hope, I'm also prety sure I would not fit anti theft lockes every time and bet your life the time you miss would be the time they struck.
     
    Marmaduke likes this.
  15. Mr S1

    Mr S1 Well-Known Member

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    Can never have too much security....it may well be a pain in the arse having to fit and undo physical security but surely far better then having it nicked ??
     
  16. Al2O3

    Al2O3 Well-Known Member

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    I've got one of these fitted too. Works a treat and gives very accurate coordinates and street views of where it is.
    I haven't mentioned it to the insurance company and don't intend to. Haven't mentioned the Safe T Pedal either. As mentioned above, don't want the hassle of them saying was it on/fitted, should it get taken.