992 Insurance / Tracker

[BlueFog]

Quite a few insurers now seem to require trackers again.

LV's premium seems quite competitive but they require a tracker.

Admiral's premium is a similar level but they don't require a tracker. It doesn't look like Admiral insure the extras although my understanding is that in yr 1 if the car is written off or stolen they would pay out the purchase price.

Have most owners activated the porsche tracker, gone for a different track or taken a chance....

Any insurer recommendations?

Thanks

[DCCT]

Interesting - when I collected mine in Jan, I found the saving for having a tracker to be circa £50-70 a year, i.e a lot less than the cost of the tracker.

I didn't take them up on the Porsche drive-away insurance as any car over £100k needed a tracker and so I just added it to my existing policy.

[Fnumber1user]

Did it not come with factory tracker?

[kilarney]

Ended up enabling the VTS tracker on mine. Insurance reduction was same price overall but a better insurance company imo.

[anonymous-user]

I get zero insurance reduction for enabling mine, but I still pay the sub as want to make it as difficult as possible for them. I even use a disclok when parked in the capital.

[Charlie_1]

Fnumber1user said:

Did it not come with factory tracker?

I think they are fitted but not activated unless you pay , which I didnt last time but wasn't given a choice this time , young lady at porsche said I had passed a value threshold , I did phone 3 others but they wanted trackers also so decided not waste any more time

[av185]

NFU don't require a tracker and provide excellent service and multi car cover cheaper than many so called 'specialists'.

[Taffy66]

NFU best unless you need trackday cover.

[cervezaman]

NFU all day long. Call them and you actually get through to someone instantly at your local office. Worth it for that alone!

[paralla]

Don’t you get 12 months of free connected services with a new Porsche, I’m sure I did when I took delivery of my GT3 three years ago.

[Charlie_1]

paralla said:

Don’t you get 12 months of free connected services with a new Porsche, I’m sure I did when I took delivery of my GT3 three years ago.

its 24 months but doesnt include tracker because thats in partnership with vodafone so I think you are paying them , you do get a free month if you buy 2 years though

[julian987R]

What are peoples opinions of the Ghost Immobiliser II that makes it impossible to even start the car hence the potential requirement of tracking it is unnecessary, kind of nips the issue in the bud at the first step.

https://www.youtube.com/watch?v=a7JRSgSjlso

[anonymous-user]

Is it Porsche approved...

[churchie2856]

Trackers do little to prevent theft, just increase the possibility of recovery.

IMO trackers really only benefit the insurers, in that if the car is recovered they may avoid having to payout. Persoanlly if my car was stolen I'm 99% certain I wouldn't want it back. However, if having one was an insuruance requirement then thats what one needs to do.

Immobilisers make more sense (prevention is better than cure) and Ghost is an interesting proposition. However, if someone broke in to take the keys left downstairs, I wouldn't then want said individual coming upstairs to to ask the button sequence. Ghost could prevent the opportunist (e.g. I left/lost my keys somewhere ...), but for a targetted theft, I think Ghost could be inviting unintended consequwnces.

[paralla]

There was a thread on here a while ago where a guys warranty claim for his dead M5 engine was denied because of a Ghost immobiliser.

[P-G]

My experience late 2019 on a 992S Cab full NCB, I started on specialists, wanting £1.5k with tracker, specified garaged hours etc.

Moved on to comparison sites and got similar prices. Ticked the tracker box and loads more insurers and down sub £500.

Ended up with LV, multiple drivers, business use, park on drive, protected bonus, legal cover etc. Hasn't moved, just renewed last month for £450. Only requirement was the tracker.

Re OP, I went to LV from Admiral a few years ago as my two car policy had crept and wouldn't negotiate down. LV was half the price.

I also found adding driving licence number and correcting car details, like ticking the "has parking sensors" box, made significant differences.

Edited by P-G on Monday 19th July 09:16

[P-G]

churchie2856 said:

IMO trackers really only benefit the insurers, in that if the car is recovered they may avoid having to payout.

Although we pay that loss in our premiums. 90s hot hatches springs to mind!

[le_gazman]

DCCT said:

Interesting - when I collected mine in Jan, I found the saving for having a tracker to be circa £50-70 a year, i.e a lot less than the cost of the tracker.

I didn't take them up on the Porsche drive-away insurance as any car over £100k needed a tracker and so I just added it to my existing policy.

This is exactly why I wouldn’t bother. The subscription is massively more than any saving on insurance.

I’d rather buy a 30 quid Apple Tag and hide it somewhere in the car and save the subscription cost and hassle of carrying a massive keyring everywhere.

Edited by le_gazman on Monday 19th July 11:57

[paralla]

le_gazman said:

This is exactly why I wouldn’t bother. I’d rather buy a 30 quid Apple Tag and hide it somewhere in the car and save the subscription cost and hassle of carrying a massive keyring everywhere.

You don't need to carry the key fob for the Porsche tracker to work, only if you want to receive the call from Vodaphone if its moved without the fob nearby.

[le_gazman]

Good to know, assumed it wouldn’t start without it. The cost alone is still the biggest barrier. GPS tracking can be had for next to nothing these days in various guises at nowhere near that cost.