Are you covered for theft? Insurance Policies and trackers

Are you covered for theft? Insurance Policies and trackers

Author
Discussion

ecs0set

Original Poster:

2,479 posts

291 months

Friday 6th August 2021
quotequote all
A warning to those people with Land Rovers & Range Rovers who are covered by Churchill, Privilege and other insurers using the same underwriters:

They consider Land Rovers a theft risk and therefore have put a restriction on some policies that mean the vehicle is NOT covered for theft unless an approved tracker is fitted.

If you call them to arrange the policy, they will tell you this restriction. If you renew / setup your policy online, it IS mentioned but in my opinion, is it buried in quotation information! You have to look quite carefully to find our if such a restriction is listed under the endorsements section.

Fortunately, I've spotted it BEFORE taking out policies but I imagine some people will have missed it and will have no theft cover on their expensive car!

Admiral do not seem to require a tracker and the cost of the tracker subscription (£100+ pa) means it's unlikely to be worth the marginally cheaper policy from Churchill / Privilege.

Apologies if this has already been discussed.

Edited by ecs0set on Friday 6th August 13:18

babelfish

966 posts

214 months

Wednesday 11th August 2021
quotequote all
ecs0set said:
A warning to those people with Land Rovers & Range Rovers who are covered by Churchill, Privilege and other insurers using the same underwriters:

They consider Land Rovers a theft risk and therefore have put a restriction on some policies that mean the vehicle is NOT covered for theft unless an approved tracker is fitted.

If you call them to arrange the policy, they will tell you this restriction. If you renew / setup your policy online, it IS mentioned but in my opinion, is it buried in quotation information! You have to look quite carefully to find our if such a restriction is listed under the endorsements section.

Fortunately, I've spotted it BEFORE taking out policies but I imagine some people will have missed it and will have no theft cover on their expensive car!

Admiral do not seem to require a tracker and the cost of the tracker subscription (£100+ pa) means it's unlikely to be worth the marginally cheaper policy from Churchill / Privilege.

Apologies if this has already been discussed.

Edited by ecs0set on Friday 6th August 13:18
Can you post a picture of the said restriction.

Thanks

Love Labradors

144 posts

39 months

Thursday 12th August 2021
quotequote all
when i bought my L405 i had to have a tacker fitted - a few years down the line as the cars 'value' decreased they dropped the demand for a tracker

each insurer has their own rules

swisstoni

18,114 posts

286 months

Thursday 12th August 2021
quotequote all
The tracker is a fairly useful service to keep up.
I’m not sure why anyone would want to let it lapse for the sake of a tank of fuel subscription cost.

Love Labradors

144 posts

39 months

Friday 13th August 2021
quotequote all
swisstoni said:
The tracker is a fairly useful service to keep up.
I’m not sure why anyone would want to let it lapse for the sake of a tank of fuel subscription cost.
no point paying for something you do not need - and my subscription was way more than a tank of fuel

ecs0set

Original Poster:

2,479 posts

291 months

Friday 13th August 2021
quotequote all
babelfish said:
Can you post a picture of the said restriction.

Thanks
In the Product Information Document (PID):


3/4 of the way down the final summary information and not mentioned before then:

shiversaint

104 posts

47 months

Friday 13th August 2021
quotequote all
Going through quotation with Churchill today and this restriction was applied to a 2013 L405. Must have a S5 or S7 tracker enabled.

FunkyNige

9,131 posts

282 months

Friday 13th August 2021
quotequote all
No mention of it in my documents with esure.
edit - 2019 Disco Sport.

Edited by FunkyNige on Friday 13th August 15:48

swisstoni

18,114 posts

286 months

Friday 13th August 2021
quotequote all
Love Labradors said:
swisstoni said:
The tracker is a fairly useful service to keep up.
I’m not sure why anyone would want to let it lapse for the sake of a tank of fuel subscription cost.
no point paying for something you do not need - and my subscription was way more than a tank of fuel
If you don’t need to know where your car is, sure.

djc206

12,733 posts

132 months

Saturday 14th August 2021
quotequote all
ecs0set said:
In the Product Information Document (PID):


3/4 of the way down the final summary information and not mentioned before then:
Thanks for the heads up, I checked my policy taken out in October last year and there’s no endorsement requiring a tracker so I must have timed it well. I’m guessing they won’t be too keen to retain my custom come renewal time!