Now I`m gobsmacked! LV was the only company who flatly refused to insure my MY LR for one reason only, because it "doesn`t have a subscription-paid TRACKER fitted" and that was quoted just a few hours ago, today!
Just went through the process and got this at the end.
@HowieR did you answer yes, it has a tracker fitted? I wasn't sure and googled, with the consensus being that whatever is inbuilt isn't enough to consider it a fully-fledged tracker.
Thanks