Macans hot for theft?

[SmithCorona]

Interesting. I suppose you can just cover the windscreen one. If true, I'm just gonna do that on my cars.

[moveover]

Is the Cayenne similarly at risk as the Macan? Presumably they use the same security.

[tescorank]

Cheib said:

tescorank said:

Apparently according to instagram they read your vin and order a key abroad without producing any documentation, obviously somewhere the vin corresponds with a key code…if that’s the case shopping trolleys for us all.

That’s amazing if true…if you order a key in this country it is a special order from the factory. That also doesn’t explain the case above of a car going missing overnight in London of someone visiting.

Yes that was one of the reasons for buying a macan a physical key to put in the dash.

[Voodoo Blue]

tescorank said:

Apparently according to instagram they read your vin and order a key abroad without producing any documentation, obviously somewhere the vin corresponds with a key code…if that’s the case shopping trolleys for us all.

I thought I'd lost my key last year and contacted my local OPC to see what was required for a replacement. Apart from the £600+ cost they needed a copy of my V5 before ordering the new key from the factory and the car to then code the new key to it. The factory is also informed of the details of the car the key is being paired to so I assume they keep a log of that. Apparently the coding takes between 1 and 2 hours as I asked if I could wait while it was being done.

While I can certainly see someone getting hold of a key through the backdoor I'm not sure they can find a way of getting around pairing the key to the car unless of course the information from the OPC was inaccurate.

[noslouch]

Me again!
On 3rd Macan after 2 stolen. Latest car has now got Porsche VTS (completely useless but ins co insist) Meta immobiliser + meta tracker, steering wheel cover and apple air tags.
Have I forgotten anything?😂😂😂
Worryingly in the last 10 days 2 have been reported stolen on our local Next Door forum (London W9)
Just saying, don’t take any chances or buy an electric car which you cannot give away never mind stealing it😂😂😂😂😂😂😂

[aeropilot]

I'm surprised you can even get insurance now...... your NCB must be in tatters......and hate to think what you're new premiums are!!

[JJ77]

Wow, you must really love the Macan. After 2 stolen, I would go all Duncan Bannatyre, “I’m OUT”.

[aeropilot]

JJ77 said:

Wow, you must really love the Macan. After 2 stolen, I would go all Duncan Bannatyre, “I’m OUT”.

I would have done that after the first one went....!

Just as I was forced to after my RS2000 was nicked nearly 40 years ago.....and then 25 years ago when my Ducati was nicked......

[noslouch]

Thought nobody would steal a Macan…10 year old design etc!
Insurance co are OK, underwriter said we just stick it
on everyone’s premiums these days!
Sorry everyone!
Problem is getting a sensible value for payout (AXA)
Last Macan cost £74,600 and had a declared value of that on policy, 2000 miles and they have offered £49,500
Anyone got helpful ideas about fighting it?
Have sent screenshots of Autotrader showing cheapest car (under 5000 miles) is £69,500, sent a copy of invoice for replacement car 73 plate, 3000 miles for £71,000 but they are not interested

[aeropilot]

noslouch said:

Thought nobody would steal a Macan…10 year old design etc!
Insurance co are OK, underwriter said we just stick it
on everyone’s premiums these days!
Sorry everyone!
Problem is getting a sensible value for payout (AXA)
Last Macan cost £74,600 and had a declared value of that on policy, 2000 miles and they have offered £49,500
Anyone got helpful ideas about fighting it?
Have sent screenshots of Autotrader showing cheapest car (under 5000 miles) is £69,500, sent a copy of invoice for replacement car 73 plate, 3000 miles for £71,000 but they are not interested

Yep.....

Been there and got those t-shirts.

My understanding is that Ins Co's offer's are based on trade-in value's not retail values, as they work on the basis of if you were changing your car, the value of it would be the trade-in price, not the retail price, so that's what they offer you. I was always told to refuse first offer, as its always a low ball, but don't expect a huge counter offer.
Unless you have GAP insurance to cover the short fall, you won't get anything close to retail value.

[noslouch]

No such thing as gap insurance now, or at least Porsche have stopped it
Problem I have is they wanted a declared value when I insured it and premium was calculated accordingly
Now they don’t want to pay the sum I have been insuring!

[aeropilot]

noslouch said:

Problem I have is they wanted a declared value when I insured it and premium was calculated accordingly
Now they don’t want to pay the sum I have been insuring!

That's always been the case though, you insure for what you've paid for it, but you'll never get that amount if/when you claim, regardless if you claim after a few weeks or a few years (unless its a something like an agreed value classic car policy)
My RS2000 that was nicked 40 odd years ago, was nicked only 4 weeks after I'd bought it, and so similar situation to you, and I was on the end of a similar shafting.

[Cheib]

aeropilot said:

noslouch said:

Problem I have is they wanted a declared value when I insured it and premium was calculated accordingly
Now they don’t want to pay the sum I have been insuring!

That's always been the case though, you insure for what you've paid for it, but you'll never get that amount if/when you claim, regardless if you claim after a few weeks or a few years (unless its a something like an agreed value classic car policy)
My RS2000 that was nicked 40 odd years ago, was nicked only 4 weeks after I'd bought it, and so similar situation to you, and I was on the end of a similar shafting.

You can get agreed value policy on new cars not just classics. Hiscox have a return to invoice clause (or at least they used to) as long as you bought the car new or I think with less than 300 miles on it if it is a pre reg/demo. Currently with Zurich Private Client….all cars have agreed value.

I guess given what seems to be the escalating value of claims at the moment insurance companies are going to do everything they can to minimise payout.

[jeebsy]

noslouch said:

No such thing as gap insurance now, or at least Porsche have stopped it
Problem I have is they wanted a declared value when I insured it and premium was calculated accordingly
Now they don’t want to pay the sum I have been insuring!

if you're talking about the amount you put in when the insurer/broker asks what you paid for the car when you're getting quotes, that doesn't really count for anything. a declared value policy is different and gives you cover for a specific amount in the event of a claim but it's only really used for classic or very rare cars.

this is the guidance the financial ombudsman use for valuation disputes, and is therefore what business 'should' be doing as best practice: https://www.financial-ombudsman.org.uk/consumers/c...

you can use adverts as evidence but they might knock a bit off as they expect a bit of haggling and an advert only shows the asking price.

if you aren't getting an offer you feel is fair then log a complaint, get a final response and let the FOS look at it. you might not get full forecourt price but it shouldn't be far off. some insurers are worse than this for others, direct line recently got told to go back over claims for written off vehicles from the last five years as the FCA found they had been routinely low-balling customers. don't take less than you feel is fair.

[Cabsi]

jeebsy said:

noslouch said:

No such thing as gap insurance now, or at least Porsche have stopped it
Problem I have is they wanted a declared value when I insured it and premium was calculated accordingly
Now they don’t want to pay the sum I have been insuring!

if you're talking about the amount you put in when the insurer/broker asks what you paid for the car when you're getting quotes, that doesn't really count for anything. a declared value policy is different and gives you cover for a specific amount in the event of a claim but it's only really used for classic or very rare cars.

this is the guidance the financial ombudsman use for valuation disputes, and is therefore what business 'should' be doing as best practice: https://www.financial-ombudsman.org.uk/consumers/c...

you can use adverts as evidence but they might knock a bit off as they expect a bit of haggling and an advert only shows the asking price.

if you aren't getting an offer you feel is fair then log a complaint, get a final response and let the FOS look at it. you might not get full forecourt price but it shouldn't be far off. some insurers are worse than this for others, direct line recently got told to go back over claims for written off vehicles from the last five years as the FCA found they had been routinely low-balling customers. don't take less than you feel is fair.

What he said.

[beedj]

I’m in the north east and haven’t yet heard of this happening here but the issue must have worked it’s way through to insurers risk/premiums … I’ve just had my multi-car renewal come through for a 2024 992 Targa 4S and a 2023 Macan T - max NCB on both, all other factors equal, same drivers, location etc; the Macan premium is within £50 of the 992 premium despite it costing less than half as much (and half the power/performance etc)

[Sheepshanks]

noslouch said:

....or buy an electric car which you cannot give away never mind stealing it

Apparently EV thefts are increasing at an alarming rate.

[ChrisW.]

Many years ago I was mugged for the keys of my E36 M3 4 door ... much favoured at the time by a variety of villains.

As above my insurance company low-balled me ... so I persuaded the BMW dealer from whom I had bought the car to share with them the cost of replacing the car. This was very successful, but I was very disappointed with my insurer so chose to replace the Bimmer with a Landrover Defender.

The change in NCB had far less of an effect on my insurance cost than the reduction in risk / premium.

(Land Rover Defenders were at that time not being stolen ... )

[noslouch]

Latest Macan still outside🤣🤣🤣
Now has the Meta S5 fitted and I hope I never find out if it works.
Took a solicitors letter but AXA came up from £48 to £70 which I have accepted…marginally light but!
My broker has had claims for 6 Macans being stolen in 8 weeks, excluding mine.
All except 1 from Greater London
One client tracked his car from his Apple Buds which he left in car…it was in Moscow
So now we know where they go!

[RiccardoG]

Timely... my neighbour recently received his replacement Macan recently too. Impressed it went so quick between having original car stolen and the brand new replacement arrive.

The "joke" is now will it make it to its first service??