Okay, so my STI is a 20D car (39D in 'new money'?). Apparently, the D states that the security fitted to the car is insufficient in Thatchams opinion for the Grouping of the car. Correct?

I struggle to see what can be done to move the car into the A or E group (which is meet/exceed security?), as it already has a cat1 alarm and tracker, or is it simply underlining that it has to be in a garage/secure parking?

Anyone care to explain? :)