I had the same issue.

S2 had £40k agreed value and did not require tracker or alarm. Comment was "no one nicks em". Happy surprise.

Coupe came up with "needs high quality Tracker" but factory locking sufficient. Also described as value based trigger.

Had good experience with Gott & Wyne but ended up with Admrial MultiCar which amazingly came out better both individually and over all cars being insured. Have also been good to deal with (renewals and enquiries re EU travel, second drivers etc)

Everyone loves a Morgan. Even me, unless it's broken again.