Ghost is highly regarded by many on this forum as a very effective immobiliser (read here), but isn't Thatcham rated so not usually recognised by insurers for discount purposes. For trackers, it's usually the case that having an appropriately-rated(**) one installed is a pre-requisite of cover, rather than installing one to attract a discount.
Had the same experience, was the cheapest quote and they'd let us put our 21 year old from time to time - but nowhere on the quote was the value of the van and despite telling my husband it would be "like for like" and if anything happened we'd be able to get the exact same bits (interior choices, bodykit etc) back, when I called again we were told it would be "market value" and they'd look at other vans at the time and not in fact like for like due to the van being registered by the convertors so us technically being the second owner even though it's brand new/delivery mileage.
Brentacre told us because it’s a camper, rather than the standard 90 or whatever days for EU, it would be 365 days.
I thought there was a limit of 90 days when visiting the Schengen area?
A plan quote is steep …strange
Are you in the same area? I expect its postcode but I'll try a couple more. Car crime is high in and around Birmingham, I think 3rd in country. I haven't had insurance under 500 for a while despite perfect record.. Amusingly the last time it was we had a Golf R and insurance was 250 quid and after 4 attempts to steal it we gave it up!! Those were not successful so doesn't impact current quotes, but gives you an idea of how things have gone up in this area due to scrotes who won't work for their toys
They only won't be impacting your current quotes if you didn't report them, otherwise the will be being taken into account (usually for 5 years after) even if they didn't result in a loss.
That does sound cheap. Where are you based? Did you have the same issue others reported of them no documented value for the van? Do they provide like for like replacement on internal mods in event of a loss?
I was chatting to the tracker installation dude & he was telling me about various nicked cars & the Golf R seemed to be targeted lots.
Yeah it was a massive problem in our area. We had CCTV, alarm, lights.. nothing put them off. Final straw was watching them try and kick front door in, from our holiday in Madeira on the CCTV after getting an alert.. Keys were with us and they failed again but car was sent back the next week. I just hope they don't have a similar passion for VW Transporters!
I'm 52 and live in Shropshire. Mine's and Caravelle, so it's basic car insurance. 15k miles per year and business use, plus we have quite a few other vehicles, which I believe lowers the 'risk'.
