Tracking device to reduce insurance

stripyhills

Hi all, hope someone can help!

I have just been quoted around £1300 for my car insurance (a group 1 car, 1 years no claims, 23 years old) which seems ridiculous.

I have just found that by having a tracker fitted, it will reduce to £683!!!! I know there's 2 types of tracker (GPS and GSM), does anyone know if insurance companies specify which type you should have? It seems too good an opportunity to miss.

Thanks in advance

s_b

theres a third one that involves string, but unfortunately does limit the amount of distance you can drive
be aware also of old ladies standing at kerb sides as you negotiate corners

ps insurer would specify obviously as they would dictate place of fitment

atrixblue.-MFR-.

stripyhills wrote: »

Hi all, hope someone can help!

I have just been quoted around £1300 for my car insurance (a group 1 car, 1 years no claims, 23 years old) which seems ridiculous.

I have just found that by having a tracker fitted, it will reduce to £683!!!! I know there's 2 types of tracker (GPS and GSM), does anyone know if insurance companies specify which type you should have? It seems too good an opportunity to miss.

Thanks in advance

by this do you mean an insurer will fit one to your car for a reduced premium, if so your on a tight leash to say the least. go outside their curfew times usually 11am to 5 am and bang £100+ ontop you premium straight away even if its an emergency.

you can purchase a tracker and have it fitted but come at a cost. ring around supplyer and fitters and then get qoutes for one fitted if the quote works out cheaper than what you would pay for the tracker then go for it. if its even stevens id still go for it because renewal time it may reduce that much more than youd think.

if your car is over 11 years or 15 years with some insurers then i would suggest classic car insurance but you earn no NCB.

vax2002

Fit it then buy a blocker.

SailorSam

vax2002 wrote: »

Fit it then buy a blocker.

Why would you do that, isn't the whole point of it is so that you can trace the car if it's stolen.

s_b

SailorSam wrote: »

Why would you do that, isn't the whole point of it is so that you can trace the car if it's stolen.

the tracker is to make sure hes a good boy and home at 10pm
this way his girlfriend is also home at 10 pm and her parents are happy too too

atrixblue.-MFR-.

vax2002 wrote: »

Fit it then buy a blocker.

if its an insurance fitted tracker, its active 24/7 blocking the signal is a no no, as the tracker still logs speeds and times all the insurers have to do is send someone round plug it into a lappy DL the info and bam they refuse to insure you as you tried/attempted to defraud them, and you wont get covered if you have an accident if you used one. the blocker only blocks the live signal feed, it doesnt deactivate the tracker.

bigjl

I saw a report on these a while ago, they aren't Trackers to get your car back when stolen, though i assume they could be uswd that way.

But rather the Insurance company can keep track of theway the driver is driving.


Things like haed acceleration etc.

I would assume you can find out the companies that are involved by using Google.

GonzoAston

Ok, I used to work for a vehicle tracking company (not tracker, its main rival) for 6 years.

The tracker isnt to show what time you go out, or what time you go in. Its there to alarm the company if your vehicle is moved/started by someone who isnt you. Most trackers come with tags that you carry, these deactivate the tracker stolen vehicle alarm. If they're not present, then a silent alarm goes to the company, who then contact you (or any named people) to confirm safety of vehicle. It is only then that the vehicle will be tracked by the company. Yes, they will be able to see all your movements previously when they remotley download the unit, but I had never heard of an insurance company asking for those details, all they were concerned about was the time, date, place of theft, and time date location of vehicle when police found it.

Its up to you who you go with. My old company used to lose sight of cars when they went into a garage, or underground, and these worked of GSM. If that helps at all.

marlot

The insurance company will most likely want to fit their own box - it will be integrated into their monitoring system. My wife was part of the trial - maybe seven years ago. They installed the tracker, which was combined gps and gsm - gps to know the location, gsm to report back to base. The aerial was a replacement tax disk holder. It worked very well, and she also had access to the website so could monitor the journeys the car had done.

I think insurance companies like it because it allows them to agree a reduced mileage, with a curfew for times when young people tend to have more accidents. It also helps stop 'fronting' - a parent can hardly claim to be the main driver of the car if the tracker shows that most of its journeys are from home to college, parked there for the day, then home again!

cyclonebri1

They're watching us you know big brother, is it really 1984?