Tracker insurance requirement

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Apr 2, 2021
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Malibu 640
I am taking delivery soon of my new motorhome and am a little confused (OK VERY CONFUSED) with the choice of trackers. An online insurance quote with Comfort says that a tracker is compulsory. There seem to be a huge range of Trackers available from £80 to £699 plus monitoring fee for some of them. Any guidance would be gratefully received.
 
If its a requirement of the insurance company it will need to be professionally installed and possibly include a need for monitoring so you can ignore the stuff at the lower end of your scale.There are a number of threads on this site with suggestions on companies to consider inc
https://movingintelligence.co.uk/pages/sentinel and vanbitz


Subscriptions can be annual or lifetime.
 
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Have just been going through the same issue. If over around £60,000 in value (and I don’t think there are many new motorhomes under this), you are very unlikely to find any insurance company offering cover without a Thatcham approved category S5 professionally installed tracker with an annual monitoring contract. Likely cost around £800 to install with 1 year monitoring. Thereafter £150 or so p.a. A bit less if pay for 3 years upfront. I could not find anyone who currently is offering a lifetime monitoring commitment for a one-off fee. If you do better than me, pleases post here…..but I need to know within the next couple of weeks!!! 🤞
 
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Have just been going through the same issue. If over around £60,000 in value (and I don’t think there are many new motorhomes under this), you are very unlikely to find any insurance company offering cover without a Thatcham approved category S5 professionally installed tracker with an annual monitoring contract. Likely cost around £800 to install with 1 year monitoring. Thereafter £150 or so p.a. A bit less if pay for 3 years upfront. I could not find anyone who currently is offering a lifetime monitoring commitment for a one-off fee. If you do better than me, pleases post here…..but I need to know within the next couple of weeks!!! 🤞

Lifetime option here


Other options here
 
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we have just had an alarm and tracker fitted at vanbitz they were great, good service and very good to deal with, i feel much better now thats the van is tracked

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I have always thought a professionally installed one may be less effective as probably always in the same place so easy to find. I know some insurance companies dont approve factory fitted ones as the scotes know where to find them.
Mine was fitted by the dealer at around £500. I dont know where it is but I know where the fuse is having accidentally removed it, called by the monitoring co so I know it works.
 
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Give LV= a look they never asked me for a tracker or alarm and my van is £80000 + not all insurers ask for these things but ensure you check details🤔😊
 
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NFU have insured our van without a tracker or alarm. And their cost was cheap too. Downside is their cover doesn't include much contents.
 
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Hi everybody, I'm back here after dallying with a caravan. Too much faff. However we have bought a, new to us, Burstner i610 and have been going down the insurance route ready for us to collect it next week. I have arranged insurance through Adrian Flux, with unlimited windscreen cover and they will accept my Skytag tracker, installed by myself, with the test certificate issued by Skytag with my new registration etc. I can't remember exactly how much it cost or how much they are now, £250 perhaps, and the monitoring is about £8 a month. A good system with monthly operational information from Skytag and emails if your battery should run low. Hope that helps
Mike
 
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Give LV= a look they never asked me for a tracker or alarm and my van is £80000 + not all insurers ask for these things but ensure you check details🤔😊
Happy with LV
BUT
When you sort the insurance you MUST detail all the kit fitted any extras state the value of the motorhome and any fitted extras so all recorded in the phone call, note agents name, time, date in the vehicle docs to be referenced if needed. Just to be clear and covered in case of what ifs.

Worth noting the max cover for contents is about £1k so make sure you have stuff on you house contents insurance. Early April spent best part of an hour making sure all was covered. No tracker or alarm required, they work on market value.
We have both as needed when we bought as insured through AIB.

LV very reasonably priced more so if multicar.

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I am taking delivery soon of my new motorhome and am a little confused (OK VERY CONFUSED) with the choice of trackers. An online insurance quote with Comfort says that a tracker is compulsory. There seem to be a huge range of Trackers available from £80 to £699 plus monitoring fee for some of them. Any guidance would be gratefully received.
I have a tracker by tracker on a number of my vehicles look at the technology for tracking. Just using a data sim for tracking doesn’t do it for me.
 
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I thought Comfort only required a tracker over £75K. I had a Cobra alarm and separate tracker fitted on last van. Next van will have a Phantom Sentinel
 
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Happy with LV
BUT
When you sort the insurance you MUST detail all the kit fitted any extras state the value of the motorhome and any fitted extras so all recorded in the phone call, note agents name, time, date in the vehicle docs to be referenced if needed. Just to be clear and covered in case of what ifs.

Worth noting the max cover for contents is about £1k so make sure you have stuff on you house contents insurance. Early April spent best part of an hour making sure all was covered. No tracker or alarm required, they work on market value.
We have both as needed when we bought as insured through AIB.

LV very reasonably priced more so if multicar.
LV have special rates for Unison members too, even retired ones.
 
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I am about to take delivery of my new campervan, and contacted A-plan to amend policy. They advised me that due to high value (60k) they would require a tracker. I did what most people do after panic attack, I went on tinternet. I found Vodaphone connect offered a scheme, using a Scorpion tracker for £199, monitoring at £99 pa both +vat. This is fitted by a mobile engineer, within 7 days, which was acceptable to insurance company (LV broker)
 
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You have 2 options:
well proven(can attest to monitoring calls when I forgot to pick up the tag)
a: likes of Strikeback
b: insurance with LV who don’t need a tracker but you will need to be detailed on the phone (record time and agent) what you have what it cost. Takes a while to make sure you covered everything, BUT will be at least 1~200 less than the clubs etc.

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I have a Vodafone Connect Tracker. They were very quickly on the phone to me when I moved my motorhome without it detecting the driver card. I was impressed. After checking I knew the passwords they were satisfied that the movement was legitimate. Although I had the driver card with me I think I had started the engine while the driver card was still in my car, out of range. I also changed the card battery. No problems since.

You also get a messages if you set a geo fence and you move outside the boundary having forgotten to cancel it.
 
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I have a tracker by tracker it does not just rely on a phone sim. As they say you pay your money and take your choice
 
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When we got the van last year, it didn't have a tracker and I couldn't find anywhere that would fit one at short notice. So I went with NFU insurance as they were one of the few that didn't need trackers or alarms. I've since had a tracker and alarm fitted by VanBitz with the assumption it'd give me more options for insurance. Renewal came up recently. I got more quotes this time, but NFU were still far cheaper, even thought they didn't take the tracker into account.

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When we got the van last year, it didn't have a tracker and I couldn't find anywhere that would fit one at short notice. So I went with NFU insurance as they were one of the few that didn't need trackers or alarms. I've since had a tracker and alarm fitted by VanBitz with the assumption it'd give me more options for insurance. Renewal came up recently. I got more quotes this time, but NFU were still far cheaper, even thought they didn't take the tracker into account.
I got a 15% discount from NFU for fitting a Thatcham rated tracker. Someone reported on another thread that NFU were now requiring trackers on higher value motorhomes.
 
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I got a 15% discount from NFU for fitting a Thatcham rated tracker. Someone reported on another thread that NFU were now requiring trackers on higher value motorhomes.
Mine is £65k. It literally made no difference when NFU added it to my quote, so I asked them to remove it. And they were still about 30% cheaper than anyone else.

From what I can tell, NFU insurance is effectively car insurance. The downside is that you've got very low contents cover. But it still includes breakdown, unlimited windscreen cover (a-class!), etc.
 
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Comfort required one on our Hymer A class because it was Ford Transit based.
With all due respect this is the wrong place to ask about types of tracker. If an insurance company has made having one a condition of insurance, then you should ask them what specification they require to be able to issue insurance. Different insurance companies have different requirements, but various Thatcham specifications usually feature.
 
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Comfort required one on our Hymer A class because it was Ford Transit based.
With all due respect this is the wrong place to ask about types of tracker. If an insurance company has made having one a condition of insurance, then you should ask them what specification they require to be able to issue insurance. Different insurance companies have different requirements, but various Thatcham specifications usually feature.
I agree, you may as well get one that is on Comforts list

Fundamentally all insurance approved tracking systems are the same and have the same attributes and weaknesses
 
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From what I can tell, NFU insurance is effectively car insurance. The downside is that you've got very low contents cover. But it still includes breakdown, unlimited windscreen cover (a-class!), etc.
Yes to the windscreen cover but on my documents it very specifically says the breakdown cover excludes motorhomes.
7E185278-28A6-4D59-9E68-690861990A20.jpeg

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Yes to the windscreen cover but on my documents it very specifically says the breakdown cover excludes motorhomes.
View attachment 630469
Ah. Thanks. I'll have to check. I didn't think it covered breakdown last year, but I didn't care because the new van came with a year of breakdown cover anyway.

Even if I have to buy breakdown separately, for me, NFU will still be miles cheaper.
 
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