Many drivers fit a tracker hoping to cut their premium. Sometimes it helps, sometimes it is only needed to get cover at all, and sometimes it makes little difference.
It depends on the insurer
Some insurers give a reduction when an approved tracker is fitted, some do not, and the amount varies. There is no standard discount across the market.
When it is required
For higher-value or higher-risk vehicles, an insurer may require an approved tracker as a condition of cover. Without one, the car might not be insured.
Add up the full cost
Compare any saving with the tracker price, fitting and the monitoring subscription over the years you will keep the car.
Ask before you buy
Ask your insurer or broker which categories and products they accept, and what discount or condition applies, and get it in writing.
Other benefits
Beyond insurance, a tracker can help police recover a stolen car, and many give alerts if the car moves without you.
Common questions
Should I tell my insurer once it is fitted?
Yes. You may need to supply proof of installation for any discount or condition.
Do insurers accept any tracker?
No. Many require specific approved categories.
Is the tracker a one-off cost?
The unit is usually bought once, but most approved trackers also need a subscription.
Can you fit it before my renewal?
Often yes. Call us with your renewal date and we will see what we can arrange.