Land Rover's Now Uninsurable

[Phil.]

Just received a renewal notice for my FFRR and Evoque. I have been with Chubb for 3 years or more. It says:

'I must make you aware that Chubb wll no longer cover loss or damage caused by theft or attempted theft to your Range Rover's from 22nd February 2015 unless they are fitted with an operational Category 5 Tracking System. Chubb are enforcing this on all current clients with Range Rovers due to a recent trend in thefts.'

I have spoke with the broker and this applies to all Land Rovers as far as Chubb is concerned.

I have a Tracker Locate fitted and this is a Cat 6 so not sufficient.

According to the broker, LR are fully aware of the situation but still fitting Cat 6 Trackers to their vehicles.

I am contemplating buying a new L405 later this year. I will watch how LR respond to this issue before making a final decision.

LR need to get this sorted!

Would anyone from LR care to comment on when a solution fo the ODB problem will be provided?

[grand cherokee]

have a look at my recent thread regarding trackers?

I have a Cat 5 system fitted as standard to my L405 and its brilliant

when I bought the car I asked my broker about insurance quotes with/without tracker

only one company would quote without at circa £3500 and that's in Notts

with tracker pennies over £500

when your spending £70K plus on a car the cost of a tracker is irrelevant in my opinion

and the system really works - the car was recently at main dealer for some warranty work - twice it was driven within their premises without the tracker fob being present and on both occasions my landline/mobile phones rung to inform me of possible theft

[Phil.]

Good to hear but I assume that fitted as 'standard' means optional and at additional cost to the first buyer or is it standard/inclusive across all the range when new? Low insurance premium too. What's your annual mileage and excess charge?

The CAT 5 requirement is now being applied by some insurers across all LR products (according to my broker). This is a retrospective additional cost to existing owners and is being applied to vehicles worth much lass than FFRR's. Not a good development.

[grand cherokee]

the Trackstar Cat 5 is £699 fitted inc VAT - its the only system approved by Land Rover

three year subscription is £549

in truth if you can afford the car the above prices are irrelevant

its the price you pay for a desirable car that will be targeted by criminals

as to 'fitted as standard' best contact your main dealer?

my insurance excess is £600 without mileage limits

Edited by grand cherokee on Thursday 29th January 12:16

[Phil.]

No argument that anyone who buys an expensive vehicle can afford a Cat 5 Tracker and it is reasonable to do so. I have fitted trackers on many new and nearly new high value/performance vehicles as a requirement of the insurer. I don't accept fitting a top-end tracker should be the case for all LR vehicles. The cost of swapping my wife's Evoque on 1st March for a new Discovery Sport has just increased by circa £1k.

The point is, because LR have not fixed this known security issue that has been prevalent for years and which they should have predicted because of the BMW previous situation, ALL owners of LR products, new and old, are now being retrospectively penalised mid-ownership and there is nothing coming from LR to suggest they have a solution in sight. This is unacceptable customer service from a premium brand/priced company IMHO.

Never heard of an unlimited mileage insurance policy before at £500 for a £70k motor. Who is that with?

Edited by Phil. on Thursday 29th January 12:32

[grand cherokee]

[quote=Phil.]No argument that anyone who buys an expensive vehicle can afford a Cat 5 Tracker and it is reasonable to do so. I have fitted trackers on many new and nearly new high value/performance vehicles as a requirement of the insurer. I don't accept fitting a top-end tracker should be the case for all LR vehicles. The cost of swapping my wife's Evoque on 1st March for a new Discovery Sport has just increased by circa £1k.

The point is, because LR have not fixed this known security issue that has been prevalent for years and which they should have predicted because of the BMW previous situation, ALL owners of LR products, new and old, are now being retrospectively penalised mid-ownership and there is nothing coming from LR to suggest they have a solution in sight. This is unacceptable customer service from a premium brand/priced company IMHO.

Never heard of an unlimited mileage insurance policy before at £500 for a £70k motor. Who is that with?

Edited by Phil. on Thursday 29th January 12:32

then buy something else?

nobody makes you buy a Range Rover/Land Rover

with who? - a good honest broker who posts on here!

at the end of the day you pay your money or not - but stop bloody whinging!

your '70K motor' comment shows a total lack of class

Edited by grand cherokee on Thursday 29th January 14:59

[Phil.]

In the same way I have a choice as to by LR or not, you also have a choice as to whether to read this topic and contribute to this topic, or not. If a constructive anti-LR comment upsets you so much then please feel free to read and contribute to other topics. Having been an advocate of LR for many years and spent many thousands of pounds (5 vehicles in 5 years) with them I believe I have a right to question this issue.

Finally, please show a bit of class and refrain from making derogatory personal comments when you haven't any knowledge on which to base them. I expected your aggression to show through as it does in many of your posts here and I haven't been disappointed. No doubt you will continue.

[anonymous-user]

You've got no chance of "anyone from Land Rover" commenting on an open forum, especially in relation to security issues.
Anyhow, I don't get it.....your title says "uninsurable" but in reality it's simply that Chubb are demanding a raised level of protection for these cars.
I can't help but agree with Cherokee though.....if this problem's been around "for years" why did you buy one?
Just to make you feel really good, the dead bolts on my Defender doors work a treat and were £9.99 from Homebase.

[threadlock]

Phil. said:

The point is, because LR have not fixed this known security issue that has been prevalent for years and which they should have predicted because of the BMW previous situation, ALL owners of LR products, new and old, are now being retrospectively penalised mid-ownership and there is nothing coming from LR to suggest they have a solution in sight.

• splutter* As the owner of a 2009 Jaguar XKR should I be worried about something? Insurance costs me less than £400 p.a. but am I wandering into a problem here?

[irocfan]

threadlock said:

Phil. said:

The point is, because LR have not fixed this known security issue that has been prevalent for years and which they should have predicted because of the BMW previous situation, ALL owners of LR products, new and old, are now being retrospectively penalised mid-ownership and there is nothing coming from LR to suggest they have a solution in sight.

• splutter* As the owner of a 2009 Jaguar XKR should I be worried about something? Insurance costs me less than £400 p.a. but am I wandering into a problem here?

having recently purchased a 2012 RRS I'm watching this thread with interest!!!

[Phil.]

threadlock said:

• splutter* As the owner of a 2009 Jaguar XKR should I be worried about something? Insurance costs me less than £400 p.a. but am I wandering into a problem here?

I also have an F-type with the Jaguar keyless entry and the same fob as a new LR. Apparently Jaguars are unaffected. I don't understand why this is the case.

[Triple7]

Looks like I'd better make a call to Aviva and see what they say about our impending Discovery Sport.

[ZOLLAR]

Phil. said:

threadlock said:

• splutter* As the owner of a 2009 Jaguar XKR should I be worried about something? Insurance costs me less than £400 p.a. but am I wandering into a problem here?

I also have an F-type with the Jaguar keyless entry and the same fob as a new LR. Apparently Jaguars are unaffected. I don't understand why this is the case.

They're not unaffected they're just not being targetted, 4x4s tend to be the targets and Fords in general.
We expect to see the new Jaguar 4x4 to be targetted when it's released due to it sharing the same key system as Land Rover.

Edited by ZOLLAR on Friday 30th January 09:54

[paintman]

What have other insurers told/quoted you with regard to your car?

[andyxxx]

grand cherokee said:

the Trackstar Cat 5 is £699 fitted inc VAT - its the only system approved by Land Rover

three year subscription is £549

in truth if you can afford the car the above prices are irrelevant

]

I disagree with you.
I can afford the car but £1200 is not irrelevant - or a small amount of money.

Furthermore, I do not want or like trackers - my last one needed a large fob with you which was simply ludicrous.

In purchasing this high end car I am not alone in thinking the security on it should not easily be compromised, which now appears not to be the case.

[Phil.]

Triple7 said:

Looks like I'd better make a call to Aviva and see what they say about our impending Discovery Sport.

I have a DS arriving on 1st March and am now seeking an alternative insurer. It also means I'll prbably have to shell out the best part of £1k to get a tracker fitted to obtain any insurance at reasonable costs, This was not a cost I had to incur three years when purchasing our outgoing Evoque.

[Phil.]

paintman said:

What have other insurers told/quoted you with regard to your car?

I am waiting for the broker to obtain alternative quotes from other insurers and will update when I recieve them.

[Blue62]

andyxxx said:

I disagree with you.
I can afford the car but £1200 is not irrelevant - or a small amount of money.

Furthermore, I do not want or like trackers - my last one needed a large fob with you which was simply ludicrous.

In purchasing this high end car I am not alone in thinking the security on it should not easily be compromised, which now appears not to be the case.

Couldn't agree more. All the high end performance cars I've owned in the last few years have required me to carry a thick card sized device, became such a PITA that I ended up leaving it in the car when garaged up. I do not understand why manufacturers of such vehicles cannot make their cars secure without the need for clumsy aftermarket solutions. Despite the fact I can afford such cars, it still grates to have to fork out extra for something that should be inherent.

[grand cherokee]

Blue62 said:

Couldn't agree more. All the high end performance cars I've owned in the last few years have required me to carry a thick card sized device, became such a PITA that I ended up leaving it in the car when garaged up. I do not understand why manufacturers of such vehicles cannot make their cars secure without the need for clumsy aftermarket solutions. Despite the fact I can afford such cars, it still grates to have to fork out extra for something that should be inherent.

the Trackstar fob is far smaller than the Range Rover fob!

if you leave the fob in the car and the car gets stolen don't expect the insurers to pay out

technology changes so rapidly that last years security system can be hacked by a twelve year old - even the Pentagon etc get problems - nature of the beast I'm afraid

Edited by grand cherokee on Friday 30th January 12:53

[IroningMan]

grand cherokee said:

the Trackstar fob is far smaller than the Range Rover fob!

if you leave the fob in the car and the car gets stolen don't expect the insurers to pay out

technology changes so rapidly that last years security system can be hacked by a twelve year old - even the Pentagon etc get problems - nature of the beast I'm afraid

Edited by grand cherokee on Friday 30th January 12:53

Not sure why tracker technology should be immune from this principle...