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S5 vs S7 Trackers: What's the Difference?

A plain-English look at Thatcham S5 and S7 tracker categories and how to find out which one your insurer wants.

S5 and S7 are two of the most common Thatcham tracker categories. They are not interchangeable, and which you need is decided by your insurer, not by the tracker seller.

The short version

Both are insurance-approved tracking systems. S5 is the higher tier, with extra features aimed at protecting vehicles against theft, while S7 is a recovery-focused tracker that helps locate a vehicle once it has been stolen.

Why the category matters

Insurers set a minimum category for certain vehicles. Fit a lower category than required and it may not satisfy your policy, which could cause problems at claim time.

Features differ by product

Exact features vary by manufacturer and model, including alerts, driver recognition and what the monitoring centre does. Always read the product details.

Cost

Higher categories usually cost more to buy and to monitor. Costs vary by provider, so compare the total of the unit, fitting and subscription.

How to find out which you need

Check your insurance documents or ask your insurer or broker which category and approved products they accept, then bring that to us.

Common questions

Which is better, S5 or S7?

S5 is the higher category, but the right one is whichever your insurer asks for.

Can I upgrade later?

It depends on the unit and provider. In many cases a new unit is needed.

Do I need a tracker at all?

Not for every car. Some insurers require one for higher-value or higher-risk vehicles. Check your policy.

Will the tracker work if the car is parked underground?

GPS and mobile signals can be weaker underground, so alerts and location may be delayed.

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