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Author Alarms and insurance
LScorsa
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Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 13:30   View User's Profile U2U Member Reply With Quote

Ive just took out car insurance with tesco but she said that having a cat 1 alarm/imobiliser doesnt make any difference to price- same when i added it to my last policy. I thought that having this sort of security device should have some affect on the price???
Not too bothered as i got it for 305 with tesco instead of 636 with NU
but just wondered if any companies take security into account?

[Edited on 16-10-2004 by LScorsa]
LukeGSi
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Registered: 9th Dec 03
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16th Oct 04 at 16:39   View User's Profile U2U Member Reply With Quote

Some take it into account and others don't although as a general rule most companies won't insure high risk vehicles for theft without a cat 1 immobilser.
Kerry
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Registered: 5th Oct 01
Location: Norwich
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16th Oct 04 at 16:43   View User's Profile U2U Member Reply With Quote

tesco do take it into account i know this for a fact because they said if i didnt forward the certificate for my cat 1 by a certain date then i would have to pay extra premium
LScorsa
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Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 16:49   View User's Profile U2U Member Reply With Quote

Is yours fully comp then Kerry? cos she said to me that it makes no difference to mine.
LukeGSi
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Registered: 9th Dec 03
User status: Offline
16th Oct 04 at 16:52   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by LukeGSi
Some take it into account and others don't although as a general rule most companies won't insure high risk vehicles for theft without a cat 1 immobilser.


What car do you have?
Kerry
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Registered: 5th Oct 01
Location: Norwich
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16th Oct 04 at 16:52   View User's Profile U2U Member Reply With Quote

i think tesco make stuff up
when i had vectra i rang them on 2 different occasions and was told different things regarding modifications

yes i am fully comp with the pulsar and the nova on the same policy both have cat 1 alarms, costs me 600 plus extra 40 a month to drive nova aswell.....
LScorsa
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Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 16:56   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by LukeGSi
quote:
Originally posted by LukeGSi
Some take it into account and others don't although as a general rule most companies won't insure high risk vehicles for theft without a cat 1 immobilser.


What car do you have?


only a 1.2 corsa B. got kit and 17s.

Richie
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Registered: 3rd Dec 02
Location: Newport, Wales
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16th Oct 04 at 16:56   View User's Profile U2U Member Reply With Quote

usually they dont give a shit because even VSIB accreddited installers dont do the alarms properly.
LScorsa
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Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 16:58   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Kerry
i think tesco make stuff up
when i had vectra i rang them on 2 different occasions and was told different things regarding modifications




I got the impression they werent really bothered about other mods unless they altered the engine performance. worked out about 50 extra for my mods.
Kerry
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Registered: 5th Oct 01
Location: Norwich
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16th Oct 04 at 16:58   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by LScorsa
quote:
Originally posted by LukeGSi
quote:
Originally posted by LukeGSi
Some take it into account and others don't although as a general rule most companies won't insure high risk vehicles for theft without a cat 1 immobilser.


What car do you have?


only a 1.2 corsa B. got kit and 17s.




that will be y then its probably not classed as high risk vehicle so they dont care if it has one or not
Kerry
Member

Registered: 5th Oct 01
Location: Norwich
User status: Offline
16th Oct 04 at 16:59   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by LScorsa
quote:
Originally posted by Kerry
i think tesco make stuff up
when i had vectra i rang them on 2 different occasions and was told different things regarding modifications




I got the impression they werent really bothered about other mods unless they altered the engine performance. worked out about 50 extra for my mods.


thats wot they originally told me then when i rang back to declare them they wanted an extra 30 a month
LukeGSi
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Registered: 9th Dec 03
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16th Oct 04 at 16:59   View User's Profile U2U Member Reply With Quote

Aye that's because no matter how many modifications it's still not considered high risk
LScorsa
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Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 17:00   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Richie
usually they dont give a shit because even VSIB accreddited installers dont do the alarms properly.


sorry whats VSIB? its wrong though really because you try and make your car safer but doesnt alter insurance, but they quick to pile on the money with mods.
LScorsa
Member

Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 17:01   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Kerry
quote:
Originally posted by LScorsa
quote:
Originally posted by Kerry
i think tesco make stuff up
when i had vectra i rang them on 2 different occasions and was told different things regarding modifications






I got the impression they werent really bothered about other mods unless they altered the engine performance. worked out about 50 extra for my mods.


thats wot they originally told me then when i rang back to declare them they wanted an extra 30 a month


best not do any other mods then! hope its all ok when they send the documents
LukeGSi
Member

Registered: 9th Dec 03
User status: Offline
16th Oct 04 at 17:02   View User's Profile U2U Member Reply With Quote

Regardless of insurance it's still a good idea to have a cat 1. Imagine how you would feel waking up and you motor was gone It's not 100% but they do make it a lot harder for someone to steal.
LScorsa
Member

Registered: 31st Oct 02
Location: Mansfield, Nottinghamshire
User status: Offline
16th Oct 04 at 17:04   View User's Profile U2U Member Reply With Quote

Yeah i wouldnt be without one- piece of mind if nothing else just annoys me that they dont take it into account that its a bit (usually) safer.

 
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