How to Make Your Car Insurance Cheaper with a Tracker

Looking to save on car insurance premiums? One of the most effective ways to reduce your costs is by using an insurance-approved tracker. These devices not only enhance the security of your vehicle but also provide valuable data to insurers, potentially leading to discounts.

In this blog, we’ll explore how to make your car insurance cheaper by installing a tracker and why it's a smart choice for both safety and savings.

Why Are Car Insurance Costs Rising?

Reducing car insurance premiums is a priority for many drivers, especially given the recent industry-wide surge in premiums. The rising costs of handling claims, increased wages, and higher prices for spare parts and second-hand vehicles have all contributed to these increases. As insurance providers assess risk before setting premiums, vehicles without sufficient security measures are often charged higher rates. 

What Is an Insurance-Approved Tracker?

Insurance-approved trackers, particularly those that are Thatcham Accredited, have undergone rigorous testing to meet specific security standards. These devices utilise advanced GPS technology to monitor your vehicle's location in real-time, providing continuous tracking to ensure maximum security. In the event of unauthorised movement or tampering, the tracker sends immediate alerts to a 24/7 control centre, facilitating swift recovery actions and preventing potential vehicle losses. Many models also offer geofencing, which alerts owners when the vehicle moves outside a predefined area, adding an extra layer of security.

Some insurance-approved trackers come with additional features such as:

Automatic Driver Recognition (ADR)

Automatic Driver Recognition (ADR) identifies and authenticates drivers automatically, ensuring only authorised individuals operate a vehicle. Using technologies like RFID, biometrics, or smartcards, it enhances security, tracks driver activity, and prevents unauthorised use, making it valuable for fleet management and access control.

Engine immobilisation

Engine immobilisation in an insurance-approved tracker prevents a stolen vehicle from starting by cutting off fuel or ignition. If theft occurs, GPS tracking locates the car, and remote immobilisation stops engine restarts. Insurers approve it for theft protection, higher recovery rates, and lower premiums.

Tamper alerts 

Tamper alerts in an insurance-approved tracker are notifications that trigger when the device detects any attempts to interfere with, disable, or remove it. These alerts help ensure that the tracker remains secure, providing real-time updates to the insurer in case of tampering or unauthorised activity.

How Can a Tracker Lower Your Insurance Costs?

The presence of a high-quality tracker significantly reduces the risk associated with your vehicle, making it a more attractive proposition for insurers. By reducing the chances of theft or increasing the probability of swift recovery, insurers are more likely to offer discounts on premiums. Many insurance companies offer reduced premiums to drivers who have installed these devices. The exact discount varies depending on the insurer and specific circumstances, but the potential for savings is substantial. In some cases, insurers may even require a Thatcham-approved tracker for high-value vehicles before they provide coverage.

Insurance companies assess risk based on several factors, and security measures like GPS tracking help mitigate these risks. A tracker reassures insurers that your car is less likely to be permanently lost due to theft, which lowers the risk of expensive claims. Additionally, vehicles with trackers often have faster recovery times, meaning insurers are less likely to pay out full claims for stolen vehicles that are never found.

The Best Insurance-Approved Trackers

Among the available options, Thatcham Category S5 trackers are considered some of the best for insurance purposes. These devices feature Automatic Driver Recognition (ADR), ensuring that only authorised individuals can operate the vehicle. If the proper driver identification tag is not detected, an unauthorised driver alert is sent to the control room, and the vehicle's owner is notified promptly. This added layer of security significantly reduces the risk of car theft and unauthorised use.

Thatcham S7 trackers, while slightly less advanced, still provide high-quality GPS tracking and theft recovery services. They are an excellent choice for those looking for insurance discounts while keeping costs manageable.

Choosing the right insurance approved tracker depends on your insurance provider’s requirements and your personal security needs. Some insurers mandate the use of S5 trackers for high-end or high-performance vehicles, while others accept S7 models for standard vehicles.

Where to Get an Insurance-Approved Tracker?

At SAS Mobile, we offer a range of insurance-approved vehicle trackers that meet these high standards. Our devices are equipped with the latest tracking and mapping software, allowing you to monitor your vehicle in real-time from a smartphone app or desktop portal. Features such as 24-hour monitoring, driver behaviour management, and unauthorised driving alerts provide comprehensive security and peace of mind.

Our expert team can guide you in selecting the best tracker based on your insurer’s requirements and personal preferences. We also provide professional installation services, ensuring your tracker functions optimally and meets insurance certification standards. Having a professionally installed tracker not only ensures compliance with insurance requirements but also prevents tampering and enhances reliability.

Conclusion

Investing in an insurance-approved tracker not only enhances the security of your vehicle but also leads to potential savings on your car insurance premiums. By taking proactive steps to protect your asset, you demonstrate to insurers your commitment to vehicle security, which can result in more favourable insurance terms and lower annual premiums.

For more information on our range of insurance-approved vehicle trackers, visit our Insurance Approved Vehicle Trackers page. Our expert team is available to assist you in selecting the best tracker to suit your needs and guide you through the installation process.