Any a110 thefts?
Discussion
Bit of a random one, I have a few cars, insurance policy that covers them all, however , my insurance company has just notified me that 3 of my cars are no longer covered for theft if parked at my home address between 22.00 -6.00 unless garaged, I can park them anywhere else no issue, the cars being 996.2 GT3, Lancia Integrale evo and my Alpine a110, other cars I own can be parked there no probs , it’s a low insurance risk area ,
I wouldn’t imagine A110 to be a car with a high theft history, as they are rare and not really worth breaking for parts .
Has anyone had anything similar or heard of any thefts , before I question this with them
I wouldn’t imagine A110 to be a car with a high theft history, as they are rare and not really worth breaking for parts .
Has anyone had anything similar or heard of any thefts , before I question this with them
CharleyFarley66 said:
"Bit of a random one, I have a few cars, insurance policy that covers them all, however , my insurance company has just notified me that 3 of my cars are no longer covered for theft if parked at my home address between 22.00 -6.00 unless garaged, I can park them anywhere else no issue, the cars being 996.2 GT3, Lancia Integrale evo and my Alpine a110, other cars I own can be parked there no probs , it’s a low insurance risk area ,
I wouldn’t imagine A110 to be a car with a high theft history, as they are rare and not really worth breaking for parts .
Has anyone had anything similar or heard of any thefts , before I question this with them."
Which insurer are you with? You raise a very significant point, especially since your insurer's apparently decided to toughen up its requirements and conditions. The Porsche is understandable as there's a strong market for stolen ones and their parts, and the Lancia's inclusion may simply be because of its rarity value, but like you I'm surprised and concerned that your insurer is also including the Alp. Maybe your insurer will share their assessment of the risk profile of the Alp, and explain their new stance on insuring it for theft.
They'll always ask if the cars in question are garaged or not as part of the risk assessment, but stipulating to an existing customer that certain ones ie. those it presumably regards as the most valuable must now be garaged (between 22:00 and 06:00 hrs) or they're not covered for theft hasn't until now (as far as I'm aware) been standard practice.
That said, theft of higher-end cars is now effectively at an industrial scale, especially with keyless thefts and the ease with which such cars can be stolen in seconds. I've taken all necessary precautions as far as I'm aware ie. an in-car tracker, Faraday pouch for the keys kept well away from the front door, plus an existing camera doorbell, motion sensor lighting etc., because it's parked on my drive (I've no garage anyway), and I've always made a point of my insurer knowing all this. Likewise, I'm not aware of any thefts of Alpines, although the insurers will have far more accurate information - which I hope they'll share with you when questioned so that we can all have a clearer understanding of the Alp's theft/risk profile.
I too had thought/assumed that while it's Range Rovers, Mercs and Porsches (and also Fiestas and Transits!) that are being targetted because there's a strong market for them and their parts in the UK or EMEA, the Alps are of no interest because, as you say, there are far too few of them to be worth the effort, ie. there's no market for stolen Alps or their parts (despite some chronic parts shortages and long waiting times!).
Perhaps your insurer's really looking to keep certain of your cars out of sight from prying eyes on the lookout for potential targets, rather than they're being given additional protection as such. However, thefts I'm aware of (including that of a local Cayman owner) sometimes involve car thieves trying to gain access to the property to find the keys if they can't detect the radio signals from your own keys, so it would seem that garaging them isn't necessarily going to stop determined burglars.
I've been expecting a large increase in the insurance premium come next year, but this relatively new development of an insurer changing its conditions and now insisting on an Alp being garaged is very concerning, especially as far as I'm concerned! This is one thread I'll be watching with much more than a passing interest.
Yeah it’s a bit odd, I have never declared any of them as being garaged , I’m just fairly sensible and take a bit of ‘self insurance ‘ which keeps the policy costs down, each car is down as agreed value, there is a maximum claim limit in those cars that’s lower than the individual values totalled up as they are prett much never all in the same place at the same time.I wouldn’t imagine A110 to be a car with a high theft history, as they are rare and not really worth breaking for parts .
Has anyone had anything similar or heard of any thefts , before I question this with them."
Which insurer are you with? You raise a very significant point, especially since your insurer's apparently decided to toughen up its requirements and conditions. The Porsche is understandable as there's a strong market for stolen ones and their parts, and the Lancia's inclusion may simply be because of its rarity value, but like you I'm surprised and concerned that your insurer is also including the Alp. Maybe your insurer will share their assessment of the risk profile of the Alp, and explain their new stance on insuring it for theft.
They'll always ask if the cars in question are garaged or not as part of the risk assessment, but stipulating to an existing customer that certain ones ie. those it presumably regards as the most valuable must now be garaged (between 22:00 and 06:00 hrs) or they're not covered for theft hasn't until now (as far as I'm aware) been standard practice.
That said, theft of higher-end cars is now effectively at an industrial scale, especially with keyless thefts and the ease with which such cars can be stolen in seconds. I've taken all necessary precautions as far as I'm aware ie. an in-car tracker, Faraday pouch for the keys kept well away from the front door, plus an existing camera doorbell, motion sensor lighting etc., because it's parked on my drive (I've no garage anyway), and I've always made a point of my insurer knowing all this. Likewise, I'm not aware of any thefts of Alpines, although the insurers will have far more accurate information - which I hope they'll share with you when questioned so that we can all have a clearer understanding of the Alp's theft/risk profile.
I too had thought/assumed that while it's Range Rovers, Mercs and Porsches (and also Fiestas and Transits!) that are being targetted because there's a strong market for them and their parts in the UK or EMEA, the Alps are of no interest because, as you say, there are far too few of them to be worth the effort, ie. there's no market for stolen Alps or their parts (despite some chronic parts shortages and long waiting times!).
Perhaps your insurer's really looking to keep certain of your cars out of sight from prying eyes on the lookout for potential targets, rather than they're being given additional protection as such. However, thefts I'm aware of (including that of a local Cayman owner) sometimes involve car thieves trying to gain access to the property to find the keys if they can't detect the radio signals from your own keys, so it would seem that garaging them isn't necessarily going to stop determined burglars.
I've been expecting a large increase in the insurance premium come next year, but this relatively new development of an insurer changing its conditions and now insisting on an Alp being garaged is very concerning, especially as far as I'm concerned! This is one thread I'll be watching with much more than a passing interest.
I have asked if there was any reason for the clarification , they also confirmed the 3 concerned could be parked outside my sons house half a mile away, at the same time overnight.
I have asked if I can do anything to change this, I plan to garage them all every night but occasionally circumstances work against this.
I was looking at a ghost, however an installer I know showed me a very simple way to beat it, once the unit has been located so now im having second thoughts....
re insurance , they have now agreed Alpine can be stored on my drive overnight, the GT3 can `occasionally` whatever that means in the insurance world... However the lancia must be garaged, which it is anyway.
im also considering trackers for all 3 cars
re insurance , they have now agreed Alpine can be stored on my drive overnight, the GT3 can `occasionally` whatever that means in the insurance world... However the lancia must be garaged, which it is anyway.
im also considering trackers for all 3 cars
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