I am just phoning round for quotes for my new MoHo to be collected next week and insurers are asking for a Thatcham Cat1 alarm. I have phoned the dealer and it doesn't have one. Just a factory fitted alarm and immobiliser. Can anyone tell me what the difference is between fac. fitted and Cat 1? If it really that much, why don't manufactures fit them as standard? If I have to have one fitted my dealer has quoted £495 . Is that competitive?