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D4 Defender - Insurance and Tracker required
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jc_uk
 


Member Since: 19 Apr 2007
Location: Cumbria
Posts: 314

United Kingdom 
D4 Defender - Insurance and Tracker required

Hi all,

My current insurance company are asking me to install a Tracker to my new D4 so that they will cover it if stolen.....
Anyone else being asked to install Trackers?

Seems a bit excessive for a not new car.......

Anyone want to recommend a tracker?

Many thanks

JC
  
Post #18241588th Jun 2017 4:24 pm
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Cobstar
 


Member Since: 03 Mar 2010
Location: UK
Posts: 194

United Kingdom 2016 Discovery 4 3.0 SDV6 Graphite LE Auto Loire BlueDiscovery 4

We've had our household cars insured with LV for many years but when I bought a new D4 last August they were unable to provide cover for theft without a Tracker fitted. I took my insurance business elsewhere as you can get fully comprehensive cover for a D4 with standard manufacturer security features with other companies. I also got full comprehensive cover on an equivalent basis for £200 less than LV quoted for cover without theft protection.

Many years ago LV were unable to quote on a new Golf GTI without a tracker. We had a Seat insured with VW Insurance as well, so swapped manufacturer standard GTI onto that policy and moved Seat onto LV policy. A couple of years later LV insured the GTI as it was.

I'll ask LV for a quote when I come to renew to see if their criteria have changed.
  
Post #18241638th Jun 2017 4:31 pm
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DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50930

Wales 

LRI would only insure you with a tracker if the motor was £50K+
  
Post #18241668th Jun 2017 4:33 pm
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jc_uk
 


Member Since: 19 Apr 2007
Location: Cumbria
Posts: 314

United Kingdom 

Hi,

Yes, this LV.
Asking for a tracker, plus £200 for 6 months increment, plus £250 additional voluntary excess.......
For moving from a 07 plate D3 (which they have insured from new) to a 66 plate D4 .......

All a bit mad.......

JC
  
Post #18241688th Jun 2017 4:35 pm
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Washwipe
 


Member Since: 19 Apr 2013
Location: Bucks Oxon Herts Border
Posts: 3169

England 

Had the same issue myself with LV, wasn't the cheapest either. Admiral didn't require a Tracker and were half the price, Aegis via Aplan did not, nor do Direct Line.
  
Post #18241808th Jun 2017 4:51 pm
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 12676

United Kingdom 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

I asked about trackers and no discount on my insurance for getting one fitted.

None for the OBD port protection either ... and they said it wouldn't put insurance up either. so good of them. Neutral

However ... a tracker is on the plan.
 .


Dean
====================================

2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer Sad ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms 
 
Post #18241818th Jun 2017 4:51 pm
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adam
 


Member Since: 20 Sep 2005
Location: Home and Happy
Posts: 6917

United Kingdom 

Didn't read the conditions of a policy I had with Tesco's on a Merc I had in 2002 - conditional on having a Tracker as value in excess of £25K - never had one fitted - unknowingly effectively uninsured for theft for nearly 3 years
  
Post #18242398th Jun 2017 7:01 pm
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Hairy Dan
 


Member Since: 19 Jan 2011
Location: Co. Durham
Posts: 12319

United Kingdom 2016 Discovery 4 3.0 TDV6 Landmark LE Auto Santorini BlackDiscovery 4

I'm with Churchill, on my MY2015 D4 they insisted it needed a tracker fitting or they wouldn't insure it for theft, when I replaced it with the MY2016 Landmark they said it didn't need a tracker fitted! I'm sure they make up half of this Censored as they go along Confused
 Cheers Ian
--------------------
Club N.E.R.D.S
Kielder 4x4 Safari
Discoless 
 
Post #18243408th Jun 2017 10:01 pm
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 12676

United Kingdom 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

I suspect you're right Hairy Dan
 .


Dean
====================================

2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer Sad ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms 
 
Post #18243438th Jun 2017 10:03 pm
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Cobstar
 


Member Since: 03 Mar 2010
Location: UK
Posts: 194

United Kingdom 2016 Discovery 4 3.0 SDV6 Graphite LE Auto Loire BlueDiscovery 4

It does seem to be a bit of a lottery as to what the renewal penalties are. Going back a bit but why would a 2008 Golf GTI need a tracker when first registered but not a couple of years later when a Honda S2000 didn't.

The D4 has manufacturer security measures in line with other manufacturers.
  
Post #18243939th Jun 2017 4:41 am
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jc_uk
 


Member Since: 19 Apr 2007
Location: Cumbria
Posts: 314

United Kingdom 

Hi again,

What does the D4 have?
Alarm - Thatcham ?
Immobiliser?

Anything else the insurers should know about?

Thanks
JC
  
Post #18245049th Jun 2017 10:18 am
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 12676

United Kingdom 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

what year ?
 .


Dean
====================================

2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer Sad ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms 
 
Post #18245819th Jun 2017 3:10 pm
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jc_uk
 


Member Since: 19 Apr 2007
Location: Cumbria
Posts: 314

United Kingdom 

D4 Landmark on 66 plate.
  
Post #18245849th Jun 2017 3:12 pm
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 12676

United Kingdom 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

too new for me to be helpful then Smile

you might want to investigate losing key-less entry capability.
 .


Dean
====================================

2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer Sad ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms 
 
Post #18245869th Jun 2017 3:15 pm
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