I just done some quotes for a MY99 2000 Turbo i'm picking up next week.

Admial whom i've been with for just over a year want £1,300 off me, which aint bad looking at some of the quotes people are talking about on here I really do feel for you. When I started I was paying £1,540 for a 1.3 Rover Si (2Dr) unreal!!!

Anyway. I tried a few others on line and most BellDirect/ Elephant / etc all come round the £1,100 mark, but Tesco and Direct line quoted me around £740 fc

I'm 27 4YNC, 3 points (12/00)

However I rang Direct Line ASAP to check with them that its correct, and they said everything was in order. When asked which tracker I have I said none.

She then told me that I can still take out the insurance without the Tracker, and Premium will not alter, however if the car is stolen, they will not pay out as no tracker fitted.

Again after reading some posts (And my anger is purely centered on the theifs twoc'ing the subarus of board members, and anyones really) I know Trackers are required for full cover, but are they worth it. I suppose a 8k MY99 Turbo is worth a £400+£100/year.

What do I do? Go for £740 fc cover, and if the car is nicked I pay myself. Or pay £1,100+ fc and have the Fully covered.

So far I have tried: Tesco/DirectLine/Admiral(current)/Elephant/BellDirect/LiverpoolVictoria/Quoteacar

Thanks.

 

Well think of it like this, if the car was nicked could you replace it?

What kind of area do you live in?

Guessing not the lowest of crime areas as Tesco only want £780 out of me for a uk turbo, 23 years and 4 years ncd.

 

didn't think it was that bad round my area, never had a problem with current cars, even leaving them unlocked (accidently) but i've never had a Subaru before, so i can tell.

i can't afford to replace an 8k scooby no, my choice seems to be

£1,100 fc
or
£740 fc + £325 Tracker + £110/year

If trackers are as usless as people on here say they are, am I better just spending an extra £360 on insurance without Tracker. Where as year 2 with Tracker would only be £740 fc + £110 sub.

Nothing is simple is it.

 

Hiya,

They're not useless, but a tracker won't stop the car from being taken; it just increases the chances of getting it back if stolen. However, as a few members on here have found out, they're not infallable. Also, even if your car can be retreived, there is no telling what damage could be done in the time it takes to catch the swines.

Personally, since the insurance companies won't offer much of a discount for their installation and -considering the cost of the system- I'm going to focus my efforts on trying to ensure that my car cannot be taken in the first instance. I think a thatcham cat one alarm and immobilser, a good disclock and a blackjax anti hijack system seems to cover all the bases.

If you've got some spare cash, then a tracker is definately a good idea if for no other reason than it might mean whatever scum nicks the car might well get caught. However, if you ask me, it's best to focus on prevention in the first instance, particularly if money is a factor!

Best.

 

Thats pretty good info (for me) If someone nicks it and cains it and scr£ws it up, I really dont want it back. However even with out Tracker they may just dump it. And it get returned.

I think I might go for the No Tracker option. and like you say spend some money on anti theft. Although if someone wants it, they'll take it. I was talking to my cousin @ the weekend and talking to him about trackers and anti theft, and he said he'd never forget when he say a video at a friends garage. It was when the RS Cossie first came about, he had one in the back of the garage, all secure and rigged up. In the morning it was not there!!! After looking at video 3 blokes had winched the cossie over the fencing, 12" metal fence with a small crane. and sat and had a *** half way through.

Will look into these blackjax things, and see what they're like.

Thanks.

 

Have you tried Greenlight? They insured me for reasonable money on a MY00 worth £10k and it did not need to have a tracking device fitted.

Contact details here

 

Cossie's were a nightmare mate; it was so bad that people were getting daft insurance renewals of 20k! Car security is a lot better now, though. If a professional really wants your car, they'll probably get it, all you can do is make it as difficult as possible and hope they get caught red handed! However, most thieves are anything but professionals; a good alarm and immobiliser together with a nice and visible Discloc will put most off! It's just too much hassle and too great a risk of being caught. The only downside about these methods is that they don't work if the thief gets the keys to your car, e.g. holds you at knifepoint. That's why Blackjax is a good idea. You surrender your keys, the thief can drive the car away from you (getting you out of harms way) but it then cuts the engine and sounds the alarm about half a mile down the road, meaning the thief has to do a runner before he has ample opportunity to thrash your car.

As soon as I find a dealer thats familiar with Scoobies in the SE, I'm going to get one. Sad, but you have to prepare for the worst when you've got a nice car.

Best.

 

new_scooby_04: Thanks for the info, looking on http://www.disklokuk.co.uk/ now, what size do you need for a 99/T scooby?

Options are:

SMALL - 35-39cms
MEDIUM - 39-41.5cms
LARGE - 41.5-44cms

I hope its the small one as they have then new mirror effect one in SMALL only.

Andy Tang: Thanks dude, details submited and waiting. Although I just tried my luck with Admiral again, as I'm currently with them, and I got it down to £1,050 which is pretty good compared to all the overs i've been on, apart from Tesco and Direct Line that require Trackers.

I think i'm going to go with that, and keep looking out for a cheap tracker that is covered by the above mentioned insurers. The Disklock will keep me safe for a while.

EDIT: Whoops just found the fitment guide on the site, sorry. Although i aint impressed with having to put my cc details on standard HTTP:// thats a bit dodgy.

 

You'll get a quicker response just calling them up. They are good and they know Imprezas so modifications weren't an issue.

Also the medium size Disklok will be fine (or at least that's what I had on my old MY97, MY99 and MY00 cars!!!)

 

Small

 

Yeah, but the CC details you enter on this page are sent to the Secure Sever. However becuase you are currently on a Non secure server, the data is transmitted as plain text to the server.

But I found a company with them @ £76 for the new chrome one ordered and on its way. Although you dont get the free bag with it.

 

Pgudge: It's a very wise investment you've made: unlike Alarms and immobilisers, Discklocks are a very visible "F*ck off" to would be thieves! I hope it's never put to the test.

Best.

 

Try Churchill's. They gave me the best quote by far this year beating Greenlight, n.union, Admiral, Adrian flux and all the rest.
I'm 26 with 5 yrs ncb + tracker and its £1131 with protected ncb.
You get extra discount if you have home insiurance with them.

Also you should have an alarm on the car as standard which is a Sigma M30 cat 1 alarm.

Small disklok will fit

 

I am just going through this process now. Tesco would like a Tracker on the car or it is not covered for theft.

Can anyone recommend a reasonable installer or price for a tracker unit inc subscription and fitting?

 

Log on to the Rac trackstar website, I would'nt be without mine just because it gives piece of mind. Mine cost £500 fitted and £192 for the first year which includes the speed trap indicator.

 

At this present moment in time, and reading peoples reactions to Trackers, albeit I understand there power when they work. But the track record is pretty poor for a £400-£500 piece of kit with a £100 sub a year.

If they were £200 and £50-£100 a year, I would probably consider one, as its more realistic.

And in some respects, like someone mentioned on the board already, if my MY99 get nicked and trashed I dont want the cops/tracker people bringing it back and expecting me to say "Oh thanks".

I gone for the Disklok for now and some drive security, cameras are already up and waiting for to lay in bed watching ScoobyTV

Fitted and testing on my veccie 2.5 v6

 

IMHO, I think you're bl00dy nuts if you got for the cheap quote without theft cover.

The way I see it is that you got several options -

1. Buy proposed car and get a tracker put on it - cheaper quote
2. Buy proposed car and pay higher premium
3. Find a used car with a tracker - just take up the subscription charge


If you're buying this car from a dealer, they'll put a tracker on it for you and include it in the deal.

Either way, the Subaru Impreza is a highly stealable car. All this talk of DiscLoks etc is fabulous - until you wake up one night with a shotgun in your face and the words, "Where are your keys" or similar cirumstances.

IMHO, you've GOT to have theft cover.

You'll juts have to do the big ring-around and find the cheapest quote.

Sorry, but best of luck sorting it out

Dan

 

ScoobyDo555,

Yep, all the barriers and Alarms in the world won't work if the thief gets your keys, that's why I suggested Blackjax.

I agree though; irrespective of how good your security is, you simply MUST have theft cover. It's just not worth the risk not to!

Don't have nightmares, do sleep well! :-)

Best.

 

try virgin insurance sorted me out under £600 no tracker needed ok Im an old fart 37 but that shouldnt count for that much, 2000 uk spec car my old insurance co wanted £1000 off me when I got the scoob with a tracker so I rang these ,top insurance company good old mr branson.........try online virgin insurance .com

 

Oh, Dont get me wrong, I would NEVER take out insurance on something that is not covered on the thing!!! Its absolutely mental that these companies are letting you pay for Fully Comprensive cover on the vehicle, but hey, your not covered for theft!!

I will go for the higher premium and look round for a cheap tracker. However the premium could come down more next year and be better still.

The part about shotgun in face. I know where your coming form, but this can be said for anything. If I was to break into someones house with a shotgun, id be getting the house jewels. B*gger a ~10k car. I aint that bothered about someone trying to HiJack the car with keys. I can say I doubt it will never happen to me.

Plus I think in my favour, (parked at home) There is a hotel near by and I have counted 3 Subarus in there at one time, BMs, Mercs, enough for them to go at.

The only place I normaly go and leave the car is into town on a saturday morning, and work through the day. Although its parked outside the window at work so they have about 50 seconds to take it, before I get to them DAMN SmackHeads.

 

All,

IMHO trackers are a good idea but over priced, Insurance can be abused, according to the tracker stats no scooby's were stolen in my area of the south west with a tracker fitted, yet most of the insurance companies demand a Tracker monitor is fitted.

Good security is a must on your car and the Scooby does not have it as standard, thats wrong. Not sure about the latest model years though.

Anyway, just a tit bit of info you might not know. Insurance is based on all the known factors such as age, history, sex, area and vehicle. but also on wether the company needs to boost its market share in any given area or members of the population just to keep stats up. So sometimes you might find it more beneficial to change your insurer after 6 months rather than at the end of the policy, providing that you existing insurer give a pro rata refund.

Also most of these companies give first year bonuses that expire on your renewal so it always makes sense to change insurers.

 

Tazz.

Later model classics (My99 and 00) have a cat one alarm and immobiliser. Subaru took a bit of time to recognise the importance of adequate security, but responded appropriately in the end. Personally, I wouldn't rely on the standard system alone, though. At the very least you'd want a visible deterrent to dissuade the kind of moron who'd break a window only to find out that the car is, indeed, fitted with adequate (non-visible ) security measures.

Best.

Best