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What is the Best Insurance Approved Tracker for Your Car?

7th February 2025

When it comes to protecting your vehicle, investing in an insurance-approved vehicle tracker can offer peace of mind while potentially lowering your insurance premiums. But with a variety of options available in the market, how do you determine the best insurance-approved tracker for your car? 

In this blog, we’ll explore what makes a tracker insurance-approved, key features to consider, and how to choose the best option for your needs.

Why Should You Consider an Insurance-Approved Tracker?

In the UK, insurers are increasingly recognising the benefits of vehicle tracking systems for their ability to reduce the risk of theft. Many insurance companies offer discounts for drivers who install an approved vehicle tracker as it can improve the likelihood of recovering the car if it is stolen. This has made insurance-approved trackers a popular choice for anyone wanting to protect their vehicle while saving on premiums.

However, not all trackers are equal, and it’s essential to choose one that meets the standards required by your insurer. These standards typically focus on the tracker’s ability to report vehicle location in real-time, as well as its reliability and integration with recovery services.

What Makes a Tracker Insurance Approved?

Insurance-approved trackers meet a set of strict criteria established by leading insurance companies. These trackers must conform to specific industry standards, ensuring they can provide accurate location data and assist with vehicle recovery in the event of theft. The most common standards used for approval are:

Thatcham Category 5 

A high-security standard that ensures the tracker is equipped with GPS and GSM technology, offering real-time location tracking and alert systems.

View our collection of S5 vehicle trackers.

Thatcham Category 6 & 7 

These trackers are typically less sophisticated but still meet the criteria for monitoring and vehicle recovery.

View our collection of S7 vehicle trackers.

The most comprehensive trackers are those that offer both proactive monitoring and post-theft recovery services, ensuring that the insurance company can quickly act to recover your vehicle.

How to Choose the Best Insurance Approved Tracker for Your Car?

Choosing the right insurance-approved tracker for your car requires a careful assessment of several key features. Not all trackers are designed equally, and it’s important to find one that matches both your vehicle’s needs and the insurance company’s requirements.

1. Real-Time Tracking

The most important feature of any insurance-approved tracker is its ability to offer real-time location tracking. This allows both you and your insurance provider to monitor your vehicle’s movements at all times. Real-time tracking is crucial in the event of theft, as it allows the authorities to recover the vehicle swiftly.

2. Easy Installation

You’ll also want to choose a tracker that’s easy to install and doesn’t interfere with your car’s operation. Many trackers are simple plug-and-play devices that can be installed by the driver, while others may require professional installation. Be sure to check if your insurer has any requirements related to installation, as some may need a certified installation for the tracker to be approved.

3. Vehicle Recovery Services

One of the primary advantages of an insurance-approved tracker is its integration with recovery services. If your car is stolen, these services will be able to track its location and work with the police to recover it. The speed and efficiency of these services can be a determining factor in choosing the right tracker.

4. Battery Life and Coverage

Some trackers are hardwired into your vehicle, while others rely on battery power. Battery-powered models are often more convenient, but they may require more frequent maintenance. It's important to choose a tracker with good battery life and one that works well in your area, ensuring reliable coverage no matter where your vehicle is located.

5. Compatibility with Your Car

Not all trackers are compatible with all car types, so it’s vital to ensure that the tracker you choose is suitable for your make and model. If your car has advanced technology like keyless entry or push-to-start, make sure the tracker is designed to integrate with these features for optimal performance.

Top Insurance-Approved Trackers in the UK

While there are many options to choose from, some of the most popular insurance-approved trackers in the UK come from trusted brands that meet Thatcham’s high standards. These trackers are widely recognised by insurers and are designed to provide the best protection for your car.

Each of these trackers offers features like real-time GPS tracking, vehicle recovery services, and mobile app integration to give you peace of mind wherever you are. But to make sure you're choosing the best tracker for your specific needs, it’s essential to check with your insurer regarding their recommended or approved devices.

For more information about the best insurance-approved vehicle trackers, take a look at the range of options available from SAS Mobile. Our trackers are designed to offer high-end protection and peace of mind, knowing that your vehicle is safe from theft.

How Can an Insurance-Approved Tracker Save You Money?

While the upfront cost of purchasing an insurance-approved tracker may seem like an added expense, it can be a wise investment in the long run. Many insurance providers offer discounts of up to 15% for drivers who install an approved tracker. The exact discount depends on your insurer and the type of vehicle, but the savings can easily offset the tracker’s cost. Additionally, the reduced risk of theft can also help prevent future claims, which could increase your premiums.

When choosing the best insurance-approved tracker for your car, it’s important to consider the key features that matter most to you, including real-time tracking, recovery services, and compatibility with your vehicle. With so many options available, it’s also crucial to check with your insurance provider to ensure the tracker you choose meets their approval standards.

Buy Your Insurance Approved Tracker From Safe & Sound

By selecting a high-quality insurance-approved tracker, you not only enhance your car’s security but also potentially lower your insurance premiums. Explore the range of insurance-approved vehicle trackers from SAS Mobile today and give your vehicle the protection it deserves.

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