What car to get?

My insurance company said that if I don't install tracker in my car then if my car is stolen or hijacked then I will have to pay 7.5% of car value over and above the R4000 excess.

Is this like a standard thing? They say they will cover install cost. But I will have to pay the monthly fee of R110pm over and above my insurance premium.
 
DeathStrike said:
My insurance company said that if I don't install tracker in my car then if my car is stolen or hijacked then I will have to pay 7.5% of car value over and above the R4000 excess.

Is this like a standard thing? They say they will cover install cost. But I will have to pay the monthly fee of R110pm over and above my insurance premium.
Click to expand...

Ey? News to me. Surely your premium is based on certain risk factors and not having a tracker would be taken into account when calculating that premium?
 
Sepeng said:
Ey? News to me. Surely your premium is based on certain risk factors and not having a tracker would be taken into account when calculating that premium?
Click to expand...
Yeah. If I take tracker premium might be lower. But then have to pay for tracker. I am more concerned about the 7.5% extra excess.
 
DeathStrike said:
Yeah. If I take tracker premium might be lower. But then have to pay for tracker. I am more concerned about the 7.5% extra excess.
Click to expand...

Just putting it out there, but if you go with Discovery Insure you get their tracking unit (powered by C-Track) for free ;) Their net premium might be higher than what you're currently paying, but when I factored in the savings for Tracker (I'd been paying for Skytrax personally) and also the hefty cash-back payment I get each month for good driving (R400/month generally), it was cheaper even than Outsurance. Just putting it out there (if you want more info I published a detailed review on here of the service).
 
Phone each tracking company and ask them if they have any specials for your insurance company. I phoned Beam-e and I'll only be paying R59 per month
 
tsume said:
Phone each tracking company and ask them if they have any specials for your insurance company. I phoned Beam-e and I'll only be paying R59 per month
Click to expand...

Yeah that's pretty standard. I prefer a 3G GPS car tracker though, because I've got access to my car's precise location and even travel history any time. The cheaper radio-powered systems can only be triangulated during an actual recovery operation. Something to bear in mind: for me it's worth it because my wife drives my car too and I want to be able to help her if she ever gets stranded or worse.
 
Foxhound5366 said:
Yeah that's pretty standard. I prefer a 3G GPS car tracker though, because I've got access to my car's precise location and even travel history any time. The cheaper radio-powered systems can only be triangulated during an actual recovery operation. Something to bear in mind: for me it's worth it because my wife drives my car too and I want to be able to help her if she ever gets stranded or worse.
Click to expand...

If she gets stranded, she could send you her location with her phone. Also, you're able to triangulate her phone via Google. But worse case she doesn't have her phone then I do see your point.
 
Foxhound5366 said:
Just putting it out there, but if you go with Discovery Insure you get their tracking unit (powered by C-Track) for free ;) Their net premium might be higher than what you're currently paying, but when I factored in the savings for Tracker (I'd been paying for Skytrax personally) and also the hefty cash-back payment I get each month for good driving (R400/month generally), it was cheaper even than Outsurance. Just putting it out there (if you want more info I published a detailed review on here of the service).
Click to expand...
Thanks. Do you have a link to that post?
tsume said:
Phone each tracking company and ask them if they have any specials for your insurance company. I phoned Beam-e and I'll only be paying R59 per month
Click to expand...

Foxhound5366 said:
Yeah that's pretty standard. I prefer a 3G GPS car tracker though, because I've got access to my car's precise location and even travel history any time. The cheaper radio-powered systems can only be triangulated during an actual recovery operation. Something to bear in mind: for me it's worth it because my wife drives my car too and I want to be able to help her if she ever gets stranded or worse.
Click to expand...
Thanks guys. Going to do some research. See what my options are. Also want to get an extended motor plan.

Was told to try hollard. Anyone use or have used them or any other?
 
tsume said:
If she gets stranded, she could send you her location with her phone. Also, you're able to triangulate her phone via Google. But worse case she doesn't have her phone then I do see your point.
Click to expand...
Yup, how about if the car gets hijacked and every second counts? Do you want to wait for the tracking service to get helicopters into the air, or just be able to request the car's location yourself and give that to authorities immediately? Food for thought, definitely. Plus it often gives me peace of mind when I park my car in a 'dodgy' area, and you can request the location by sms ;)

DeathStrike said:
Thanks. Do you have a link to that post?
Click to expand...
http://mybroadband.co.za/vb/showthread.php/717184-User-Review-Discovery-Insure-Car-Insurance?p=17559506&viewfull=1#post17559506

That turned into a long thread, but you'll also want to check out my first post on the thread and I think there's another detailed one midway too, lol. Of course I got a bit sidetracked by all the naysayers disagreeing with me just for the sake of it (to be expected on MyBB), but I think the facts in my last post speak for themselves. PS: I found that I can insure my two cellphones on my Discovery home contents insurance for half the cost of Vodacom's cellphone insurance, so there are definitely additional benefits you can extract from Discovery if you switch a few different kinds of insurance to them. All depends on you.
 
Last edited:
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X