Ok so I have had GAP Insurance on both my cars as it was always part of the deal. I told them I did want it but would walk away if it wasn't included...
It's nice to have that life-line in the event something happens, especially if you're in the first year or two of a Finance Plan when you're usually in negative equity (If you put down a low deposit). basically if the car is a write off your finance company usually makes you cough up the remainder of the car within a certain time as there is now no asset. If your insurance doesn't pay full value then you have to pay up.
Little bit different if you own the car outright but still, you don't want to worry about losing money!
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Every car I have / have owned has always had a decent reliable tracker. I want to know where my car is at all times, if it moves without my keys being inserted etc. If it does get stolen it will get recovered and hopefully not trash my insurance premiums until i'm 90. It gives you that real piece of mind!
Jammers - Most decent systems nowadays have a revolving signal as well as GSM communication so that if it something like that happens it can kick out an instant alarm which would trigger a Police call out depending on the call centre.
We have always used Scorpion. British brand, well made and does pretty much all the above! Fit loads of them nowadays on certain vehicles you have to have them to be insured.
My insurance company didn't give me a reduction as I'm still under 25 but to be honest, I drive a Premium brand vehicle so just have to expect that Im gonna be paying a bit for insurance. Having a tracker is piece of mind.
On a side note, all our vehicles here use Scorpion Fleet Management!
ScorpionTrack Stolen Vehicle Tracker Tracking System | Advanced In Car Technologies
