By limiting annual mileage to 5k and excluding business use - although such intended use would only be on those vary rare summer days its actually dry for long enough and the route to my meeting venue being potentially interesting enough to warrant rolling out the Aero - I'm now down at circa £900. I suppose I can live with that and it is on an 'agreed value' basis as well. Given that I'm shelling out quite a considerable sum for the car it does seem a but churlish to be griping over a few hundred quid.
Still insistent on Tracker although I've made a FOI request to Police Scotland to determine how many 'Tracking' capable cars they have and how many are actually out during a normal shift pattern. It'll be interesting to know if nothing else.
Thanks for all the comments/advice..