Will You Need An Insurance Approved Vehicle Tracker?
Get up to 3 quotes - right here!
Save Time
Save Time

Get up to 4 quotes from our selected suppliers by filling in only 1 form

Save Money
Save Money

Save money by comparing quotes and choosing the most competitive offer

Free and No Obligation
Free and No Obligation

Our service is 100% free and with no obligation

Last updated: 30 May 2024

Will You Need An Insurance Approved Vehicle Tracker?

  • Investing in insurance-approved trackers can provide significant benefits in enhanced security and compliance with insurance requirements.
  • Installing an insurance-approved tracker can significantly lower your insurance premiums, often by as much as 20%. These devices reduce insurers’ perceived risk by providing enhanced security for your vehicle.
  • Thatcham accreditation signifies that a tracker has undergone rigorous testing and meets stringent standards for performance and reliability.

Installing an insurance-approved vehicle tracker can improve your vehicle's recovery prospects and possibly reduce your insurance premiums. In the UK, these devices provide two significant advantages.

First, their real-time GPS tracking and round-the-clock monitoring enhance the likelihood of recovering your car if it's stolen. Second, insurance companies often offer lower rates for car policies equipped with these trackers, recognising the added security they provide.

Get your best deal
Quickly compare FREE quotes
  • Describe your needs
  • Get free quotes
  • Choose the best offer
GET QUOTES NOW

It only takes 30 seconds

What is an insurance-approved tracker?

An insurance-approved tracker is a tracking device that meets specific standards set by insurance companies for tracking and monitoring vehicles. These trackers are designed to provide real-time GPS tracking and constant monitoring, enhancing the security of the vehicle and increasing the likelihood of recovery if it is stolen. 

The purpose of these trackers is twofold: to protect the vehicle by facilitating its recovery in case of theft and to lower insurance premiums as a reward for the added security.

In the UK, Thatcham Research is a leading organisation that evaluates and certifies vehicle security systems, including trackers. Thatcham accreditation means that a tracker has been tested and meets high performance and reliability standards. This certification is recognised by many insurance companies, which may offer lower premiums for vehicles equipped with Thatcham-approved devices.

Installing an insurance-approved tracker can significantly lower your insurance premiums, often by as much as 20%. These devices reduce insurers' perceived risk by providing enhanced security for your vehicle.

These trackers have advanced security features to prevent theft and facilitate quick recovery if a vehicle is stolen. They are monitored round the clock by a dedicated control centre, which can respond immediately to any alerts. Additionally, most brands offer mobile apps that allow you to track your vehicle's location in real-time, providing peace of mind and added convenience.

Car tracker: insurance approved vs standard

Insurance-approved vehicle trackers must meet specific technical and legal standards to ensure they provide robust security and compliance with insurance policies. Here are the common requirements and features that differentiate them from standard trackers:

Technical requirements

  • Real-time GPS tracking: Continuous location monitoring to provide accurate real-time data on the vehicle’s position​​.
  • 24/7 monitoring: A dedicated control centre monitors alerts and suspicious activities round-the-clock​​.
  • Tamper alerts: Immediate notification if there is an attempt to disable or tamper with the tracker​​.
  • Driver identification (ID) tags: Only authorised drivers can start and operate the vehicle​​.
  • Remote immobilisation: Ability to remotely disable the vehicle if stolen​.
  • Unauthorised movement alerts: Notifications for any unauthorised vehicle movements​​.
  • Thatcham Accreditation: Certification from Thatcham Research indicates the device meets stringent security and reliability standards​​.

Legal and insurance requirements

  • Compliance with insurance policies: Many insurance companies require Thatcham-approved trackers to provide coverage or offer premium discounts​.
  • Data privacy and security: Must comply with legal data protection and privacy ​​standards.

Differences between insurance-approved and standard trackers

While both insurance-approved and standard trackers provide vehicle tracking systems, they differ significantly regarding security features, insurance benefits, and reliability. Here are the main distinctions:

Insurance approved trackers
  • High standards of security: Tested and certified to meet high standards for preventing and responding to vehicle theft​.
  • Lower insurance premiums: Insurance costs are typically reduced due to the lower risk associated with vehicles equipped with these trackers​.
  • Advanced features: Include sophisticated capabilities such as driver ID, tamper alerts, remote immobilisation, and 24/7 monitoring.
  • Thatcham certification: Accredited by Thatcham Research, assuring quality and reliability​.
  • Monitoring services: Continuous professional monitoring by a dedicated control centre to ensure quick response to theft or tampering​​.
Standard trackers
  • Basic security features: They offer basic GPS tracking and possibly some alerts but lack advanced security features​.
  • No insurance discounts: They generally do not qualify for insurance premium reductions as they do not meet insurance companies' stringent requirements​​.
  • No Thatcham Certification: They have not been tested or certified by Thatcham Research, meaning they may not meet the high standards required by insurers​​.
  • Limited monitoring: This may include something other than professional 24/7 monitoring services, relying instead on user monitoring.
  • Less reliable: Potentially more susceptible to tampering and less effective in theft recovery efforts​.

Overall, investing in insurance-approved trackers can provide significant benefits for businesses with commercial vehicle fleets in terms of enhanced security, compliance with insurance requirements, and potential premium cost savings. In contrast, while useful for basic tracking, standard trackers do not offer the same level of security or financial benefits.

When is an insurance approved vehicle tracker necessary?

Insurance-approved vehicle trackers become necessary under various circumstances to enhance security, comply with insurance policies, and reduce insurance premiums. These situations often involve high-value assets, increased theft risk, or specific requirements set by insurers.

Here’s a detailed look at why some commercial vehicle trackers must be insurance-approved and examples of scenarios where insurance companies may require them.

Reasons for insurance-approved commercial vehicle trackers

  1. Enhanced security: Insurance-approved trackers offer advanced security features such as real-time GPS tracking, tamper alerts, driver identification, and remote immobilisation. These features significantly reduce the theft risk and improve the chances of recovering stolen vehicles​​.
  2. Compliance with insurance requirements: Many insurance companies mandate the installation of approved trackers to provide coverage, especially for high-risk or high-value vehicles. This requirement ensures the vehicle is protected by a reliable and effective tracking system that meets industry standards​​.
  3. Cost savings on premiums: Installing an insurance-approved tracker can lead to substantial savings on insurance premiums. Insurers often offer discounts for vehicles equipped with these trackers because they reduce the risk of theft and unauthorised use​.
  4. Operational efficiency: For commercial fleets, these trackers provide additional benefits like route optimisation, driver behaviour monitoring, and maintenance alerts, helping businesses manage their operations more efficiently and reduce costs​.

Examples of when approved trackers may be essential

Below is a list of cases where insurance companies may require approved trackers. 

  1. High-value cargo: Vehicles transporting expensive goods or equipment may require approved trackers to ensure the safety of the cargo. This is particularly common in logistics and transportation industries where the value of the goods can be extremely high​.
  2. High-risk areas: Vehicles operating in regions with high theft rates may need approved trackers for insurance coverage. This requirement helps mitigate the increased risk associated with these areas​​.
  3. Fleet insurance policies: Companies with large commercial fleets often face stringent insurance requirements. Insurers may require the use of approved trackers for all fleet vehicles to provide comprehensive coverage and offer lower premiums​.

Considering the above, insurance-approved vehicle trackers provide advanced features and reliable performance, making them a crucial investment for businesses with commercial vehicle fleets. Whether dealing with high-value cargo or operating in high-risk areas, these trackers ensure that vehicles are protected and can be recovered efficiently if stolen.

Best car tracker for insurance in the UK

Choosing the right car tracker for insurance maximises vehicle security and potentially reduces insurance premiums. The car tracking cost is an important factor, with expenses varying depending on the type of fleet vehicle tracking solution you choose.

Here are three of the most popular insurance-approved vehicle trackers for businesses in the UK, each with its features and benefits.

SmarTrack S7 tracker

The SmarTrack S7 tracker is a highly versatile and widely recommended option for various types of vehicles. Recognised for its comprehensive security features and affordability, it is an excellent choice for business owners looking to protect their fleet.

  • Features: The SmarTrack S7 tracker is Thatcham-approved and offers real-time GPS tracking, tamper alerts, and 24/7 monitoring by a dedicated control centre. It is suitable for cars, vans, HGVs, and motorhomes, making it a versatile choice for various vehicle types​.
  • Benefits: This tracker is known for its affordability and comprehensive security features, which include a mobile app for real-time tracking and alerts. Its robust security measures ensure peace of mind for business owners while complying with insurance requirements.

ScorpionTrack S5 tracker

The ScorpionTrack S5 tracker stands out for its advanced security features, making it one of the best options for high-value vehicles. It is designed to offer top-tier protection, ensuring your vehicles are safe and secure.

  • Features: The ScorpionTrack S5 tracker provides advanced security features like Automatic Driver Recognition (ADR), remote immobilisation, and 24/7 monitoring. It is designed to offer the highest level of security for high-value vehicles​​.
  • Benefits: This tracker is highly regarded for its robust security measures and insurance compliance, which can lead to significant premium reductions. Its advanced features ensure that only authorised drivers can operate the vehicle, adding an extra layer of protection.

Vodafone Automotive CobraTrak

The Vodafone Automotive CobraTrak is praised for its reliability and extensive coverage. It offers various tracking options for different needs, making it popular for businesses with diverse fleets.

  • Features: The Vodafone Automotive CobraTrak offers both S5 and S7 category options. It includes features like GPS and GSM tracking, European coverage, and 24/7 monitoring, ensuring comprehensive protection for your vehicle​.
  • Benefits: This tracker is praised for its reliability and extensive coverage, making it a popular choice among business owners with fleets operating across different regions. Its robust tracking capabilities ensure vehicles are protected and can be quickly recovered if stolen.

Best tracker in the UK: ScorpionTrack S5

The ScorpionTrack S5 is considered one of the best car trackers in the UK due to its comprehensive security features and high level of insurance approval. Its advanced capabilities make it a top choice for business owners looking to enhance vehicle security and reduce insurance premiums.

The tracker is considered the best because its advanced security features, such as the previously mentioned ADR and remote immobilisation, provide superior protection against theft. Additionally, its Thatcham certification and widespread insurance recognition make it a reliable and cost-effective solution for safeguarding your fleet​​.

Cheapest insurance-approved vehicle tracker

When finding affordable insurance-approved vehicle trackers for your business, consider the features and the cost. Here are three of the most cost-effective options, key features, and benefits.

GPSBob Mongoose S7 tracker

The GPSBob Mongoose S7 tracker is a highly affordable option that doesn't compromise on essential security features. It is ideal for businesses looking to enhance their vehicle protection without a significant financial outlay. It is also a great choice if you're looking for an insurance-approved vehicle tracker without a subscription.

Features

  • Thatcham Approved tracker: Meets the stringent standards set by Thatcham Research.
  • Real-Time GPS tracking: Provides precise location data.
  • Tamper alerts: Notifies you immediately if there is an attempt to disable the tracker.
  • 24/7 monitoring: Includes continuous monitoring by a dedicated control centre.
  • No monthly fees: Offers up to five years of tracking data without additional costs.

The GPSBob Mongoose S7 tracker is beneficial due to its cost-effectiveness and comprehensive features. It ensures reliable security and compliance with insurance requirements at a lower price point​​.

SmarTrack S7 Tracker

The SmarTrack S7 tracker is another budget-friendly option that provides essential security features for various vehicle types, from cars to motorhomes. It is an ideal car insurance tracker for those seeking affordability.

Features

Apart from the Thatcham-approved accreditation, 24/7 monitoring, and real-time GPS tracking mentioned in the GPSBob Mongoose S7, the SmarTrack S7 offers a mobile app. This app allows for real-time tracking and alerts via smartphone.

This tracker is beneficial because of its affordability and robust security features. The SmarTrack S7 is versatile and suitable for various vehicles, making it a popular choice among budget-conscious business owners​.

Vodafone Automotive CobraTrak S7

The Vodafone Automotive CobraTrak S7 is a competitively-priced tracker with extensive coverage and reliability. It is suitable for businesses with fleets operating across different regions. It is also a preferred police-approved car tracker and an excellent insurance tracker.

Features

Apart from the Thatcham-approved accreditation, the 24/7 monitoring and the real-time GPS tracking mentioned in the SmarTrack S7, the Vodafone Automotive CobraTrak S7 features 

GPS and GSM tracking. These two tracking systems provide detailed monitoring and coverage. Additionally, the tracker features European coverage, ensuring your vehicle is protected even when travelling abroad.

This tracker benefits from its extensive coverage and reliable performance, making it a cost-effective option for businesses that require comprehensive protection across multiple regions​.

Most popular and affordable 

The GPSBob Mongoose S7 is considered the most popular among the affordable insurance-approved vehicle trackers due to its combination of low cost and comprehensive features.

This tracker is one of the most popular due to the following: 

  • Affordability: It offers significant savings compared to other models while maintaining high-security standards.
  • Comprehensive features: Despite its low cost, it includes essential features like real-time tracking, tamper alerts, and 24/7 monitoring.
  • No ongoing costs: Including up to five years of tracking data eliminates the need for monthly subscription fees, providing long-term savings.

For businesses looking to secure their fleets without breaking the bank, the GPSBob Mongoose S7 offers an excellent balance of cost and functionality.

Insurance tracker: benefits for commercial vehicles

Insurance-approved vehicle trackers offer numerous advantages for businesses managing commercial vehicle fleets. These devices enhance security and bring various operational and financial benefits. Here's a detailed look at the benefits of adopting these trackers for your commercial fleet.

Enhanced security and theft recovery

  • Tamper alerts: Sends immediate notifications if there is an attempt to disable or tamper with the tracker, enabling prompt action to prevent theft​.
  • Police-approved car tracker: Many insurance-approved trackers are also recognised by police forces, facilitating quicker recovery of stolen vehicles​.

Insurance benefits

  • Premium reductions: As mentioned before, installing an insurance tracker can lead to significant savings on insurance premiums, often up to 20%, as it reduces insurers’ risk.
  • Compliance with insurance policies: Many insurance companies require Thatcham-approved trackers for high-value or high-risk vehicles, ensuring compliance and maintaining coverage​​.

Other advantages 

  • Operational efficiency: Improved fleet management through real-time tracking, route optimisation, and driver behaviour monitoring.
  • Compliance: Meets regulatory requirements for vehicle tracking, ensuring business operations remain within legal frameworks.
  • Peace of mind: Ensures that vehicles are continuously monitored and protected against theft and unauthorised use.

By integrating insurance-approved vehicle trackers into their fleets, businesses can enjoy these comprehensive benefits, which can lead to improved security, efficiency, and cost-effectiveness.

Compare multiple quotes

When managing commercial vehicle fleets, you should always compare multiple quotes when seeking insurance-approved trackers. Different vehicle tracking companies offer various features, pricing, and discounts, so obtaining several quotes ensures you get the best deal tailored to your specific needs. Comparing quotes helps you:

  • Identify the best features: Ensure you get the most advanced security features, such as real-time GPS tracking, tamper alerts, and remote immobilisation.
  • Secure competitive pricing: Different insurers offer discounts for approved trackers, helping you save on premiums.
  • Ensure compliance: Verify that the chosen tracker meets all insurance and legal requirements, such as Thatcham accreditation.

Start comparing quotes from various providers today to find the best insurance-approved tracker for your fleet. With ease, you can secure your vehicles, reduce insurance costs, and ensure compliance!

Get your best deal
Quickly compare FREE quotes
  • Describe your needs
  • Get free quotes
  • Choose the best offer
GET QUOTES NOW

It only takes 30 seconds

FAQ

More on This Topic
It's That Easy
1
Request Quotes
Describe your requirements for the product in our form.
2
Match
We will match your request with suitable suppliers.
3
Receive Quotes
You will receive up to four quotes tailored to your needs.
Become a Partner

We strive to connect our customers with the right product and supplier. Would you like to be part of Market Inspector?

Become a Partner