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A Complete Guide to Insurance Approved Trackers

By William French February 12, 2019

A Complete Guide to Insurance Approved Vehicle Trackers

Driving A Car

In recent years, we’ve seen a significant increase in the number of drivers installing insurance approved vehicle trackers in their cars and vans. If you haven’t made the switch yet, we highly recommend you consider it. Vehicle trackers use GPS, GSM and in some cases VHF technology to monitor the location of your vehicle if it’s stolen. This brings a range of benefits, not least that you’re more likely to get your car back and put an end to the stress and worry, of owning a desirable vehicle. Insurance approved tracking devices go one step further, as they can also reduce the amount you pay for insurance.

Read on to find out how insurance approved tracking devices work, the best brands and features, and if they’re the right choice for you.

How do car trackers work?

Car trackers work by connecting to the global positioning system (GPS). This
provides up-to-date information regarding where they are, where they’re going and even what speed they’re travelling at. More sophisticated models use other signals, like very high frequency (VHF) and global system for mobile (GSM), for improved coverage and backup should one type of signal be blocked or unavailable.

With this comes two potential uses for vehicle owners:

1. Trackers record the information, which can then be accessed in the event of a
stolen vehicle or even a missing person.

2. With more advanced systems, the information can also be accessed in real-

The benefits of real-time car trackers

Real-time data allows driver to see where their vehicles are at any given time, which can be invaluable for both personal and business vehicles. For example, individuals can see where their car has been taken or left by thieves to minimise the stress of a stolen vehicle. On the other hand, business owners can have complete peace of mind by tracking the location of their employees in business
vehicles. Some users are simply concerned parents who want to make sure their teenage child is safe when they get their first car. Every user will undoubtedly want to use a vehicle tracker for a different outcome. Information can be accessed either through a tracking website or a mobile app, so users can access their car’s location whether they’re at home, work or on the go. Some car tracking services will even provide alerts through the app or by text when unauthorised movement is detected. That means you can get the police involved sooner and increase the chance of retrieving your vehicle unscathed. 

What does insurance approved mean?

The other side of car trackers are the benefits they bring for insurance companies. An insurance approved car tracker makes it easier to resolve claims for theft, with vehicle owners more likely to get their car back – eliminating the need for a payout. This helps insurers provide cheaper quotes for drivers. Let’s face it – we would all like our insurance to be that bit less expensive. On top of that, vehicle trackers can be used by insurance companies to monitor your driving more specifically. Some models will track things like acceleration, braking and
speed, which can be used to resolve liability claims – showing that you weren’t at
fault in a bump, for instance. Needless to say, this could protect your no claims discount and reduce insurance costs in the future. However, more stringent insurers may also use this data to set penalties for high-speed driving or extra mileage. In some cases, insurers will even insist on installing an insurance approved car tracker on your vehicle for them to insure it. 

Which type of insurance approved car tracker is best for you?
As discussed, not all insurance approved tracking devices are the same. While some are installed solely for theft cases, others will monitor your driving style down to the finest detail. There’s also the option of a car tracker which records this data solely for your own use. So, insurance companies won’t monitor it, but you can review your own journeys.

The type of car tracker you have installed is entirely up to you. Consider which
features you require:

  • Tracking – Do you want to track your location only or do you require driving data for insurance approval?
  • Technology – Is GPS sufficient, or do you need GSM and VHF to track in containers, garages and underground car parks?
  • Access – How do you want to access information? Consider whether an app or website is the best option for you, or whether you only need insurers to access data.
  • Alerts – Would you prefer to receive alerts for certain locations, speeds or driving times?
  • Insurance approval – Insurers will specify approved car tracking systems for their policies, which could determine which model you opt for.

How much do vehicle trackers cost?

With technology more readily available, insurance approved vehicle trackers have
become a cost-effective option for almost any car owner. Costing as little as £100, a basic car tracker is available at a fraction of any car’s price. Considering how much it can save you on insurance – and eliminating the cost of theft – it’s certainly well worth the investment. Of course, the cost of your car tracker depends on which model you choose. More advanced car trackers, with real-time data, alerts and multiple location signals will set you back a bit more. However, these will also prove more valuable when it comes to resolving liability claims, retrieving a stolen vehicle and reducing insurance costs.

Monthly fees are another consideration. Some car trackers or vehicle tracking
providers charge a monthly subscription fee, usually paid annually, to allow you to use their tracker and their app. This may provide access to more features. However, it’s always worth comparing similar products to see if you can get the same service without the ongoing costs.

Which brands are available?

When it comes to vehicle trackers, you want to find a brand you can trust – especially if you need your tracker to be insurance approved. Here are some of the reliable companies to look out for:

  • Tracker has been established for over 20 years and is used by police forces across the UK
  • Trackstar trackers are the only products approved by a range of vehicle manufacturers, including Jaguar, Land Rover, Range Rover and BMW
  • Vodafone Telematics, have a very good range of trackers, again offering insurance approval.

    Can we help?

    If you’re looking for an insurance approved vehicle tracker for your car or van, VTA Security can help. We offer a wide range of vehicle trackers from leading
    manufacturers to suit all budgets. With our help, you can track your vehicle’s location whenever required, reduce insurance costs and get complete peace of mind. If you want to talk more about finding the right car tracker for you, please get in touch today on or 01489 222980 to talk to an expert.

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