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Conference terri::cars_uk

Title:Cars in the UK
Notice:Please read new conference charter 1.70
Moderator:COMICS::SHELLEYELD
Created:Sun Mar 06 1994
Last Modified:Fri Jun 06 1997
Last Successful Update:Fri Jun 06 1997
Number of topics:2584
Total number of notes:63384

1715.0. "Alarms and Insurance" by LARVAE::HARVEY (Baldly going into the unknown...) Fri Mar 06 1992 18:02

    
      I'm new to this conference and so have yet to catch up...
      - its obviously getting time to change my motor...
    
      Anyroadup, is there any thoughts or discussion about whether or not the 
      company should negotiate cheaper insurance rates for fitting car alarms 
      to its fleet vehicles ? 
    
      I know 86 squids a year per car may sound a lot but how does that stack 
      up against the cost of repairs etc. after cars have been broken into or 
      joyridden (?). 
    
      Are we seeing the Insurance companies put their money where their mouths 
      are yet in this area ?
    
      I've not concerned myself with the thought of fitting an alarm before but 
      even the sleepy backwaters I frequent are suffering major car theft 
      problems....
    
      Rog
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1715.1Decisive steps.....SBPEXE::PREECEJust gimme the VAX, ma'am...Fri Mar 06 1992 21:3821
    No.  Instead, we read in "Digital Toady" that  DEC are taking major
    steps to reduce theft of and from company cars.....some more
    cameras and an extra security patrol in the DECPark carpark.
    
    Great.   Assuming that I live in DECpark and never go anywhere else, my
    car is now marginally safer.
    
    Oh, and we also get told not to park anywhere that might attract
    thieves.  Like car parks, for instance.
    (Well, if you were a car-thief, where would *you* go to find lots of
    cars ?)
    
    When is DEC's insurance company going to *compel* us to fit alarms and
    /or immobilisers in all lease cars as standard ?  In the sort of
    numbers we're looking at ,it should be possible to negotiate a very
    tasty discount deal with a supplier, and the reduction in direct and
    indirect costs would soon cover it, I'm sure.
    
    Ian.
    (Who *doesn't* live in DEC park, and had his car broken into in a
    well-lit, busy public car park !!!  Grrrr....)
1715.2FORTY2::PALKASat Mar 07 1992 10:4113
>    When is DEC's insurance company going to *compel* us to fit alarms and
>    /or immobilisers in all lease cars as standard ?  In the sort of
>    numbers we're looking at ,it should be possible to negotiate a very
>    tasty discount deal with a supplier, and the reduction in direct and
>    indirect costs would soon cover it, I'm sure.
    
    DEC's insurance company doesn't cover the loss for car theft. So they
    have no interest in forcing DEC to install alarms.
    
    DEC pays the cost of the loss, and presumably has decided that alarms
    cost more than they save in reduced loss.
    
    Andrew
1715.3BRUMMY::MARTIN::BELLMartin Bell, TCC, Birmingham UKSun Mar 08 1992 12:2212
Re: .2

... another thing in "Digital Toady" (what a very apt name) is the bit where
they say ...

"If an employee's car or items from the car are stolen, Digital meets the costs
from its own funds"

...  well thats the first i have heard, that the pathetic �100 personal items
insurance has increased to cover everything!

mb
1715.4LEECHS::hiltonHow's it going royal ugly dudes?Mon Mar 09 1992 09:224
In the same article:

"Improved car locks and fitted alarms have not proved to be a cost
effective way of tackling the problem"
1715.5FORTY2::PALKAMon Mar 09 1992 09:284
    re .3
    
    They are probably referring to items belonging to digital.
    Andrew
1715.6BRUMMY::MARTIN::BELLMartin Bell, TCC, Birmingham UKMon Mar 09 1992 09:307
> "Improved car locks and fitted alarms have not proved to be a cost
> effective way of tackling the problem"

... if this is the case then why bother even locking the car in the first place!

mb
1715.7PLAYER::BROWNLJust who is Victor Ludorum?Mon Mar 09 1992 10:1712
    Personally, I'm not too sure that alarms are worth the effort. They
    seem to go off all the time, and most people seem to ignore them.
    
    For my Frogeye, which is unlockable, I have an immobiliser, and a
    Krook-Lok to stop the sneak-thief. If I lived somewhere dodgy, and
    wanted to leave it out often, I would use a clamp in addition to the
    above. I'm thinking of fitting a second immobiliser.
    
    I still maintain, you can't stop the really determined professional
    from nicking your car.
    
    Laurie.
1715.8It's the amateurs I worry about !SBPEXE::PREECEJust gimme the VAX, ma'am...Mon Mar 09 1992 15:0212
    
    
    Re. -1
    
    No, you cant'.  However, you *can* deter the "casual" thief, who doesn't
    want your car (indeed, may not even be old enough to drive it !), but
    heaves a brick through the window and has a rummage around the inside
    on the off-chance that there's something in it worth having.
    
    Ian 
    (who hasn't *had* his �100 yet !)
    
1715.9Alarm INCREASES premium !FUTURS::FIDOThu Jun 11 1992 14:5515
    This topic reminds me of the following story :-
    
    About six years ago, my then boss became the proud owner of a BMW 
    [ it takes all sorts ;-) ] and had to transfer his existing insurance 
    to cover the new car.
    
    He thought that the quote he had been given was a bit on the high side 
    and so he told the insurance company that he had an alarm fitted, thinking 
    that this may persuade them to reduce the premium. 
    
    Did they ? Did they h*ll - instead, they increased it since he had
    extra equipment ( i.e. the alarm ) fitted !
    
    Terry 
              
1715.10Cobra, Gemini, or Scorpian alarms & Norwich Union ?LARVAE::DRSD27::GALVINCan we have summer now?Fri May 07 1993 18:1318
I'm currently shopping around for car insurance.  I've generally been quoted
premiums of �730 and above, but I've also been quoted �512 by Norwich Union
so long as I have ( or get fitted ) the one of the relevant alarms from the
following companies:

    1.  Cobra ( 0923-222664 )

    2.  Gemini ( 0905-756900 )

    3.  Scorpian ( 061-777-9682 )

Does anybody have any experience of the companies and their alarms and if
would you recommend them ?

Regards

Steven