hi i am thinking in getting a tracker fitted to my audi s3 8v can anyone recommend a good make and would it be easy to fit myself
Car Tracker System
- Thread starter Michael Paul shields
- Start date
You will probably find most S3 owners on here will say don't bother, just buy GAP insurance instead.
Ask yourself: Would you want it back if it went missing and was ragged and damaged by some scumbag?!?!
^^^^ This.
Get GAP insurance, and unless your insurance company requires a Tracker, don't bother. I wouldn't want my car back once it's been stolen.
I just hope, that the people who steal my car die a very slow and painful death in a ball of fire after hitting a tree or wall.
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Hi,
Just to let you know that we offer a product called Total Loss Protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative.
Please feel free to take a look if you wish.
https://www.adrianflux.co.uk/extras/total-loss/
Regards,
Dan.
Just to let you know that we offer a product called Total Loss Protection. Whilst it's not exactly the same as your traditional GAP insurance we feel for some customers it can make a cost effective alternative.
Please feel free to take a look if you wish.
https://www.adrianflux.co.uk/extras/total-loss/
Regards,
Dan.
I've got a 4 year GAP policy with a 25K claim benefit for £170.00.
So not much really..
Sorry Michael can't help with your question tho.
It is definitely not gap insurance, sure you didn't just ask for comprehensive insurance? Mine is £250 for 4 years and that is a return to invoice/replacement car policy for my S3. Worth the money.
Who did you get that from? If you don’t mind me asking. Quotes I’ve have is around £3-400.
https://www.ams-gap.com/
I think you have to email to get a quote, my dad knew one of of the directors so email was the way I dealt with it. One of the large Audi dealerships used to use AMS for the GAP policy they sold.
I actually don't really understand GAP. So you pay £240 how many times? and what do you get? sorry I am useless.
Pay it once. It means if I was to have an accident and write off my car, my insurance company would pay out what the car was worth at that time, but the issue is because it's on finance this pay out would not cover that, so gap insurance makes up this difference
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Deskbound Dan
Registered User
I think everyone above has made good points about GAP insurance but if you're still looking to go down the tracker route, I've had experience (through work - HGV fleet) with a number of tracking systems and can recommend Teletrac Navman as the best I've used. We have a company come in and install these but I would think on average they take around 30 minutes to fit but there's quite a bit of prep work to do with the wiring harness first so you'll need good knowledge of working with electrics to tackle this yourself. If you're relatively local to Norwich then I can put you in touch with a couple of companies who can install tracking systems, and if you would like to know anything more about Teletrac I'd be happy to help.
List price of car, say £34,000
Write off car or get stolen in year 2. Insurance pay out £22,000
GAP insurance (if selected back to invoice) will pay out the difference. £12,000
So you now have £34,000 to go out and buy a new car with. That's the one I've always taken out. But think (as Adam has stated) you can get it to make up difference on Finance deal.
Back to invoice is better, but may be more expensive over pay off finance option.
Precisely. Back to invoice (as I understand it) can only be done if the car is less than 12 months old. Otherwise its back to "agreed value" policy. Mine also has a replacement car policy, i.e. if I write it off they'll try and source a car of similar spec and age, if not they pay out the difference.
Oh I see thanks. Does that cover things like car dents, scratches, wheels and alloys? I rather have those options because I feel that my car getting stolen is very unlikely but dents and cracks are highly likely for me lol.
Typed on phone.
Gap insurance only pays out if you write off your car. It's insurance to cover the "gap" between what your insurance pays you and what the car is worth / finance outstanding. As explained by someone in an earlier post. A dent is not a write off. You'll have to suck it up and pay for them yourself. Unless you have tyre/alloy insurance with Audi which if you did I'd have thought you'd be aware of.
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Don't know about most people, but it's always best to take it out. Chances are you'll never use it. But if within the length of the policy, your cars gets written off or stolen, you know the GAP insurance will cover any shortfall with your insurance company.
But, if you choose not to take it out, then as long as nothing happens, you'll save a few hundred quid. Pays your money or take your chances.
I purchased a 4 year, return to invoice, max £20k limit for my S3 when I purchased the car (it was only 2 months old) from Warranty Direct (ALA are also good) and from memory it was about £200 or so. Also got £25 Quidco cashback!!
Think Audi wanted something like £900 for less cover!
Think Audi wanted something like £900 for less cover!
Exactly this ^^^ for me it's piece of mind, for as you say 'a couple of hundred quid' which could potentially save you thousands!
One thing to watch with return to invoice if you do go down the GAP route, is if you got a decent discount when you bought the car, the price you paid, not list price, is the value they will pay up to. I tend to go for car replacement cover, as that pays value needed to get exact same car, spec, options directly from the factory, and chances are the cost will have gone up
Another good point, I received 21.4% discount off the A5 and bought total vehicle replacement! I don't have to have the same car again either
Not that I want my car to go missing, but if it did I'd be quids in lol.- Joined
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If you buy the car new, for a few quid more it's worth taking Vehicle Replacement Insurance which for up to five years, will pay out the difference to buy a brand new car to the same spec as yours rather than just the original invoice price.
Ohh and another thing to note, a lot of people think they don't need GAP for the 1st year because their 'normal' insurance replaces the car in the first 12 months!
Yes it does, but read your policy carefully!!! This is from my AXA documents:
If a replacement car of the same make and model is not available we will either; ■ pay you the price you paid for your car when you bought it, or ■ pay you the manufacturer's current list price (including taxes), whichever is less.
So they could say a factory order doesn't count as 'available', not to mention who can wait a few months for a car?!?! So basically they take you back to receipt price only.
Yes it does, but read your policy carefully!!! This is from my AXA documents:
If a replacement car of the same make and model is not available we will either; ■ pay you the price you paid for your car when you bought it, or ■ pay you the manufacturer's current list price (including taxes), whichever is less.
So they could say a factory order doesn't count as 'available', not to mention who can wait a few months for a car?!?! So basically they take you back to receipt price only.
