How Trackers Can Benefit an Insurance Quote

One of the greatest annoyances for anyone who owns a vehicle is the ever-changing and increasingly expensive cost of insurance. Whether you run a car, motorbike, van or indeed any commercial vehicle, it’s often one of the largest expenses associated with driving for business or pleasure.

The common perception is that motor insurance costs only go in one direction and that is up. Indeed, following the COVID pandemic of 2019-2021 and up to June 2024 insurance premiums rose by a massive 82%.

However, things are now settling down a little. The latest research by Go Compare and the Association of British Insurers have revealed that the average cost of car insurance fell by 7% in the first three months of 2025.

How can you ensure a low quote from your insurance company?
Whilst we agree that this latest fall in insurance prices is very welcome, it must be said that insurance costs are still too high for most car owners. This is particularly true for owners of commercial vehicles, who are often subject to high levels of vehicle theft and vandalism.

Here at Fit My Tracker we believe that one of the best ways you can help to reduce your insurance costs is by fitting a superior quality tracker to your vehicle. A well-fitted and concealed tracking device can help prevent the theft of your vehicle and alert you to any unauthorised interference with it.

It is a well-known fact that a vehicle that is protected by an insurance-approved tracker is likely to attract lower insurance quotes than one without. This is largely owing to the perception by insurers that by providing extra protection for your vehicle this reduces the risk factor for the company.

The benefits a tracker provides, including real-time location and monitoring to ensure rapid recovery if a vehicle is taken, further reduces the risk for an insurance company. A Thatcham-approved model offers the highest security standards, owing to the extensive and rigorous testing that tracking devices must undergo before coming to market.

Lower car theft risks as much as you can
Factors which drive the high cost of motor insurance are the high costs involved in buying and maintaining a vehicle. The more expensive a vehicle is and the more expensive it is to repair means that in the event of a crash or other incident – whether theft or damage – the more your insurer must pay out.

And as we all know, insurance companies will do all they can to avoid denting their profits. This is why the onus is on you, the vehicle owner, to mitigate the chances of your insurer refusing a claim for costs. You can do so by doing all you can to protect your vehicle. Besides fitting a tracker, other protective measures you can take include:
1) Mechanical devices such as steering wheel locks
2) Axle locks
3) Wheel clamps
4) Alarm/immobilisers
5) Window stickers that declare the vehicle is protected
6) For keyless entry and ignition models, protect from theft by keeping your fob in a Faraday pouch
7) Be careful where you park in unfamiliar areas

All of these measures, together with an insurance-approved tracker, will provide evidence of your commitment to protecting your vehicle. The result for you could well be a cheaper insurance policy.