I really don't understand why they want a tracker fitted. I'm with saga and pay £250 protected NCD, no claims or convictions but when I checked in Jan when the cars were up for renewal thee were others around the same price. You'll be entitled to a partial refund, though it'll be heavily loaded in Sky's favour. I don't know what a tracker will cost you but I'm guessing it'll be the cost of at least 2 years insurance so I'd cut my losses and find another insurer.

If you're with Saga you must be over 55.  My Octavia vRS diesel DSG is insured via the IAM Surety scheme for £140/annum with protected NCB.  Insured for me and my wife (not an IAM member) with 12,000 miles/year, kept on our drive, with 15 years no claims and no convictions (well, not for 11 years!).

Fill in your details on Compare the meerkat ... err market

I got quotes on a vRS for future reference, and none of the lowest specified needing a tracker fitted and were very reasonable prices.

Edited 6 September, 201312 yr by Mr Grump

Not trying to take anything away from the car here,  

this isn't a pop at it, I like them actually.

But I'd expect a tracker being fitted as a condition of cover

to be something you'd be expected to do on new cars costing 50k

upwards. Or risk based for a customer who has maybe had a couple of cars stolen

before in the past?

After all, in the big scheme of things, just like my car the Octy vRS is only a

breathed on hatchback. Hardly what you'd call desireable exotica.

Although I was thinking to myself that maybe having a VERY flash car like

a Ferrari or Rolls Royce or whatever in itself would be enough of a deterrent

to put off all but the top of the line pro car thief. A little scrote is hardly likely to  

attempt to steal for example a Lambo. I'd bet statistically vandalism is more

common on high end motors tbh.

Fill in your details on Compare the meerkat ... err market

I got quotes on a vRS for future reference, and none of the lowest specified needing a tracker fitted and were very reasonable prices.

 

Did that last night for both new cars - came in at over £600 less (for both) with 2 companies than on a second car discount with Sky.

Not trying to take anything away from the car here,  

this isn't a pop at it, I like them actually.

But I'd expect a tracker being fitted as a condition of cover

to be something you'd be expected to do on new cars costing 50k

upwards. Or risk based for a customer who has maybe had a couple of cars stolen

before in the past?

After all, in the big scheme of things, just like my car the Octy vRS is only a

breathed on hatchback. Hardly what you'd call desireable exotica.

Although I was thinking to myself that maybe having a VERY flash car like

a Ferrari or Rolls Royce or whatever in itself would be enough of a deterrent

to put off all but the top of the line pro car thief. A little scrote is hardly likely to  

attempt to steal for example a Lambo. I'd bet statistically vandalism is more

common on high end motors tbh.

 

50K - if only 

 

I'm with you on this - but to be honest, would a tracker stop a vandal from taking offense to the fact that your 50K car has tyres they would never be able to afford, and he therefore smashes your window / wing mirror/ whatever? No...

 

The issues I have with it is...

 

1.  It's taking away my privacy.  Anyone with an internet connection can locate my car (providing they are decent enough to hack or the sites security is bad enough to allow information to be stolen).  Yes it probably a little more anonymous than that, but it's my privacy.

 

2.  I have to have someone start taking my brand new VRS to bits to fit this - Once you start on that, things NEVER go back together the same way and squeaks and rattles start to appear.

 

3. Possible interference to sound system - yes this happens, as they use the GSM network - I'm paying for the uprated sound system, and don't want that beep, beep blippy beep in the background.

 

Now the insurance company know's I will need to pay out an admin fee to cancel and Sky knows I will need to pay them and admin fee to cancel..  Grabbed by the *******s.

I've PM'd you so I can look into this. 

 

Thanks

 

Ollie

Sky Insurance

 

Park it on the road. For some reason it works out cheaper.

Day

 

It will not with us. 

It will not with us. 

You must be the first one I've ever known that it doesn't.  

 

Unless there's a new wave of underwriting going on, then what I've been told by several insurers and brokers (and a friend who works for an underwriter) is whilst garage is always the lowest risk, on the driveway is a higher risk than the road, as they know which house to break into to steal the keys.

 

What has changed recently?

 

Should I be allowed a vRS, the it will be a company car in my case, but curious - very curious.

You must be the first one I've ever known that it doesn't.  

 

Unless there's a new wave of underwriting going on, then what I've been told by several insurers and brokers (and a friend who works for an underwriter) is whilst garage is always the lowest risk, on the driveway is a higher risk than the road, as they know which house to break into to steal the keys.

 

What has changed recently?

 

Should I be allowed a vRS, the it will be a company car in my case, but curious - very curious.

 

Nothing has changed for us, we prefer Garage - Driveway - Street.  Most of our specialist competitors are the same as well.  

It's not likely to be worth it for the likely premium - a few wanted one for my 987 but at roughly 200 quid to install and the same again to run for a year it's just not worth it given that you are only like to save £100 on insurance.

 

I've got quotes for loads of companies on comparion sites that don't need a tracker.

You must be the first one I've ever known that it doesn't.

Unless there's a new wave of underwriting going on, then what I've been told by several insurers and brokers (and a friend who works for an underwriter) is whilst garage is always the lowest risk, on the driveway is a higher risk than the road, as they know which house to break into to steal the keys.

What has changed recently?

Should I be allowed a vRS, the it will be a company car in my case, but curious - very curious.

Direct line no longer seem to care if on road, drive etc just that it's at the policy address overnight.

I phoned up about my mk3 what is due soon and they said no....does not need a tracker...

It would now appear like I don't need a tracker, premium is still going up by 80+ quid, so will get a few other quotes in November before delivery.  Lets see how this plays out.

I done a compare the meekat thing last night after reading this thread and was surprised that with my circumstances being teh same that the insurance shoudl I change to a mk3 would be circa £50 per year cheaper than I am currently paying, also looked at the Golf GTI as I am considering that as well and that was teh same, another excuse to use with Mrs P that I need to change the car!!!!! :-)

Standard cover

£1895.26

Total quote per year£1922.44

per month*£174.62

Not that competitive..

They were for us.

I took the free weeks insurance when I collected my vrs and they asked if I wanted a quote. The first price they gave me was 50 quid cheaper than my current policy Adrian Flux. Adrian Flux had told me that to swap from my 1.8t leon cupra to my new vrs would be no price difference in price (£503).

As they were 50 quid cheaper I decided I would take it but I would try my luck first. After no more than 2 mins of haggling another 50 quid came off and they offered to refund any cancelation costs arising from exiting my current policy. So in the end it was 400 quid.

That was with me as policy holder 8 years ncd and mrs as named driver and a non fault accident 3 years ago

We had 40 vehicles on our fleet and only about 10 of them

had zero interference. I suppose where the antenna goes

is the key to whether it will or won't or maybe it was just the type of  

trackers our vans had. Ours were real time updated so management

could log in and see where the guys were, who was speeding, who went home early, 

started late etc etc.

 

Some companies also use trackers so they can bully their employers and try to say it's for "duty of care" but why don't the managers have them on their company cars?

Edited 7 September, 201312 yr by Ultima

Some companies also use trackers so they can bully their employers and try to say it's for "duty of care" but why don't the managers have them on their company cars?

 

My company provide these tracker services and our management do have them in their cars

 

I don't.

Like others have said, if your insurance company are telling you to fit a tracker, get moving to another insurer. It's ridiculous-as good as Skoda are, they're not M3s, M5s or Porsches. It's just another ploy by your insurance company to either make you pay more money or leave them. Personally I'd leave them. I've no loyalty whatsoever to insurance companies. Especially given that their industry appears to be self-regulated. Sorry, rant over!!!

Some companies also use trackers so they can bully their employers and try to say it's for "duty of care" but why don't the managers have them on their company cars?

The reasoning my firm used to get it past the blokes without

causing uproar was that they could then pay less tax if they could prove

the vans were not being used outside work hours. But yes, not long after the

system was introduced heads started to roll. However, if you used your loaf

then you could use the permanent spy to your advantage.

I was the companys lorry driver and as such was the most watched of all

potentially, I had a Tachograph, a tracker and a transponder device on my Hiab

which recorded when that was in operation too.

They were for us.

I took the free weeks insurance when I collected my vrs and they asked if I wanted a quote. The first price they gave me was 50 quid cheaper than my current policy Adrian Flux. Adrian Flux had told me that to swap from my 1.8t leon cupra to my new vrs would be no price difference in price (£503).

As they were 50 quid cheaper I decided I would take it but I would try my luck first. After no more than 2 mins of haggling another 50 quid came off and they offered to refund any cancelation costs arising from exiting my current policy. So in the end it was 400 quid.

That was with me as policy holder 8 years ncd and mrs as named driver and a non fault accident 3 years ago

I might do just that then. See what Skoda offer me when I Pick it up. My situation is similar. 10 years NCB, non fault claim 3 yes ago, SWMBO as a named driver.

Thanks.

My company provide these tracker services and our management do have them in their cars

 

I don't.

 

But the company I work for should not be saying they are for 'duty of care' when they are quite clearly using them to bully their employees.  GPS blocker devices are available but will obviously arouse suspicion if used regularly.

But the company I work for should not be saying they are for 'duty of care' when they are quite clearly using them to bully their employees.  GPS blocker devices are available but will obviously arouse suspicion if used regularly.

 

In our system it is blatantly obvious when a GPS blocker is used and it can send alerts direct to fleet managers. Like any tool, though, the tracker is just that, how it is used is up to the people who control it. They are not inherently evil in a business context. Some customers use them to assign the nearest free vehicle to a job, others to sack employees for excessive personal use of company vehicles. I recently saw a case where a lorry was being taken to a carpark in the middle of nowhere, parked up, then setting off later with half of its fuel missing. You can't blame the employer for installing the device if that's a regular occurrence.

My underwriter won't cover my soon to arrive 2.0Tdi CR 4x4 SE estate at all! As a result, the Meerkats have found me a new policy with over £100 saving.

Congratulations - and you get a free Meerkat..

 

So far - I have gotten my insurance for a 2.0 TSI VRS and a 1.2 Fabia Monte Carlo down to just over £800, both fully comp with a £50 voluntary excess.  Thank you Meerkats..

 

This beats my current policy on both which is over £1000.

 

6 days left until SWMBO takes delivery of the Monte Carlo. 

Ridiculous on a car like this, go with another insurer.

My old man had to have a tracker fitted a few years ago on a new E46 M3 coupe, physically couldn't get it insured anywhere sensibly unless it had one fitted despite being in his late 50's at the time. That said it was a £45k car that were being stolen to order in their droves at time so kind of makes sense, not on a Skoda Octavia though.