Why Insurance Approved Trackers Are Becoming More Important
Explore expert insights, real theft stories, and practical tips on vehicle trackers, immobilisers, and staying ahead of car thieves in the UK. Stay informed and keep your vehicle safe.
Table of Contents
Why insurance approved trackers matter
Vehicle security is becoming a bigger concern for many drivers, especially those with high value, performance or keyless vehicles. As theft methods become more advanced, insurers and vehicle owners are paying closer attention to approved tracking systems.
An insurance approved tracker is designed to meet recognised security standards and support stolen vehicle recovery. These systems are commonly used on vehicles where extra protection is needed beyond standard factory security.
What is an insurance approved tracker?
An insurance approved tracker is a vehicle tracking system that meets recognised industry requirements for security, monitoring and recovery support. Many approved systems are tested under Thatcham categories, including S5 and S7 tracking systems.
You can explore available options on our vehicle trackers page.
Why insurers may ask for a tracker
Some insurers may request an approved tracker for higher risk vehicles. This can include prestige cars, performance vehicles, keyless models or vehicles with a higher theft risk.
The reason is simple. If a vehicle is stolen, a professionally monitored tracker can help locate it and support recovery. This reduces risk and gives both the insurer and the vehicle owner more confidence.
S5 vs S7 trackers
S5 and S7 trackers both provide vehicle tracking and recovery support, but they offer different levels of protection. S7 trackers are commonly used for stolen vehicle location, while S5 trackers usually include driver recognition for added security.
| Feature | S7 Tracker | S5 Tracker |
|---|---|---|
| Tracking and recovery | Yes | Yes |
| Monitoring support | Yes | Yes |
| Driver recognition tag | No | Yes |
| Suitable for high value vehicles | Sometimes | Often preferred |
| Insurance requirement | May be accepted | Often requested for higher risk vehicles |
What does driver recognition do?
Driver recognition is one of the key differences with many S5 systems. A driver tag helps confirm that the person using the vehicle is authorised. If the vehicle is moved without the correct tag present, the monitoring centre can be alerted.
This adds an extra layer of protection against theft methods such as key cloning and relay attacks.
Why monitoring is important
A tracker is only useful if it supports fast action when something goes wrong. Many approved systems include access to a monitoring centre, which can help verify theft activity and support recovery procedures.
This is why insurance approved trackers are different from basic GPS devices. They are built around vehicle security, not just location tracking.
Who should consider an insurance approved tracker?
An approved tracker may be useful if you own a high value vehicle, performance car, prestige model, motorhome or van. It may also be worth considering if your insurer has requested one as part of your policy.
If you are unsure whether you need S5 or S7 protection, our team can help you choose the right option based on your vehicle and insurance requirements.
Trackers and immobilisers together
A tracker helps locate and recover a stolen vehicle, while an immobiliser helps prevent the vehicle from being driven away. For stronger protection, many drivers choose to combine both systems.
You can learn more about immobiliser options on our immobilisers page.
Choosing the right tracker
The right tracker depends on your vehicle value, insurer requirements and the level of protection you want. S7 may be suitable for basic recovery support, while S5 is often chosen when driver recognition is required.
If you need advice, you can contact AutoTec with your vehicle details and we will guide you through the available options.
FAQs
What is an insurance approved tracker?
It is a vehicle tracker that meets recognised security standards and is commonly accepted by insurers for theft recovery support.
What is the difference between S5 and S7 trackers?
S7 trackers provide stolen vehicle location support, while S5 trackers usually include driver recognition for added security.
Do I need an S5 tracker for my car insurance?
Some insurers may request an S5 tracker for high value, performance or higher risk vehicles. It depends on your insurer and vehicle.
Does a tracker stop a car from being stolen?
A tracker does not usually stop theft. It helps locate and recover the vehicle if it is stolen.
Should I choose a tracker or an immobiliser?
A tracker helps with recovery, while an immobiliser helps prevent theft. Many drivers choose both for stronger protection.
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