Security and Insurance

We decided to bite a very expensive bullet and go for key protection and a tracker. The insurance companies have a ceiling without a tracker that is £10-£15K below our actual van plus parts costs never mind the hundreds of hours we have invested in the van. Very “generously” they offer £30 discount if you fit a tracker but nothing for key protection.

Really our main concerns were someone breaking into the house and stealing the van keys or hijacking the remote signal or breaking into the van cloning the keys from the ODBC port. Either of which seem to be fairly common means of vehicle theft. So what we wanted was a means of disabling the van when we were away from it at home or the “French supermarket car park”.

Personally I am not a big fan of trackers, a bit of shutting the stable door too late. To me they are a means to getting the best insurance value. Key protection on the on the hand should go a long way to preventing theft in the first place. If after stealing or cloning the keys a thief can’t start the vehicle how long are they going to hang around? Granted if they come equipped with a low loader the tracker will pay for itself. And I know tracker works because I disconnected the battery to do some works shortly after having the tracker fitted and got a phone call within minutes.

My product research started with key protection where I narrowed it down to one obvious solution, Autowatch Ghost II. Unlike other systems that require you to have an ID tag Ghost has two recognition options, either you push a sequence of up to 20 dashboard / steering wheel buttons or, and here is the nice bit, you have a Bluetooth app running on your mobile phone. It is a tiny device that gets hidden on your vehicle’s network so when the vehicle won’t start how long would it take a thief to understand why it won’t start and then locate and uninstall the device

The ID tags are pretty pointless because either you have the added annoyance of remembering your tag when you pick up your keys or you keep the tag on your key ring. Keeping the tag on the key ring seems pointless to me, sure it does mean only your keys and not cloned keys can be used to start the van but if your keys are stolen the thief can start the van. Strangely this method is the only option that comes with insurance approved trackers.

There are several flavours of tracker. Cheaper units with a pay as you go sim allow you to self monitor but will not be accepted by an insurance company who will insist on an approved monitored system. So apart from the up front cost trackers have an ongoing subscription cost although you can pay a large up front one off which gives you lifetime (ownership of the vehicle and life of the tracker) coverage which actually makes sense. If we were going to have a tracker it needed to have monitored Europe tracking with alerts to my phone as well so we have opted for Smartrack Protector.

So all in all with lifetime monitoring the system has cost £1030, a lot of money but at say 1.5% of the value we think so. Not just for actual security but for peace of mind.

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