Insurance Approved Vehicle Trackers: A Comprehensive Guide
Finding the right vehicle tracker can be a daunting task, especially when it needs to meet your insurance company's requirements. This comprehensive guide will help you navigate the world of insurance approved vehicle trackers, explaining what to look for, how they work, and the benefits they offer.
What is an Insurance Approved Vehicle Tracker?
An insurance approved vehicle tracker is a GPS tracking device that meets specific criteria set by your insurance provider. These criteria often involve aspects like:
- Accuracy and Reliability: The tracker must provide accurate location data consistently, even in challenging environments.
- Data Transmission: Reliable data transmission to a monitoring center is crucial for effective tracking. This often involves cellular connectivity.
- Tamper Resistance: The device needs to be resistant to tampering or removal, ensuring continuous monitoring.
- Approval from Thatcham or Other Recognized Bodies: Many insurers require trackers certified by Thatcham Research (in the UK) or similar recognized bodies in other countries. This certification signifies that the tracker meets rigorous security and performance standards.
- Installation by an Approved Installer: Some insurers mandate professional installation by an approved installer to guarantee proper functionality and to maintain the warranty.
Benefits of Using an Insurance Approved Vehicle Tracker
Choosing an insurance-approved GPS tracker offers several key advantages:
- Reduced Insurance Premiums: This is the primary benefit. Many insurance companies offer significant discounts on premiums for vehicles fitted with approved tracking devices, demonstrating a commitment to vehicle security.
- Enhanced Vehicle Security: Trackers deter theft and help recover stolen vehicles quickly. The ability to remotely locate and immobilize a vehicle drastically increases the chances of recovery.
- Improved Claims Processing: In the event of a theft or accident, accurate location data from the tracker can streamline the claims process, providing quicker and more efficient assistance.
- Peace of Mind: Knowing your vehicle is being monitored provides significant peace of mind for both drivers and vehicle owners.
Choosing the Right Insurance Approved Vehicle Tracker
Selecting the right tracker involves careful consideration of several factors:
- Insurance Company Requirements: Begin by contacting your insurance provider to understand their specific requirements for approved trackers. They may provide a list of approved devices or specify the minimum standards.
- Features: Consider features beyond basic tracking, such as driver behavior monitoring (for potential discounts), geofencing (alerts when the vehicle leaves a specified area), and remote immobilization capabilities.
- Subscription Costs: Remember that ongoing subscription fees cover data transmission and monitoring services. Factor this into your overall cost assessment.
- Installation Process: Check the installation process and whether your chosen provider offers professional installation services. Ensure this is covered by the warranty.
Finding and Installing an Insurance Approved Vehicle Tracker
The process typically involves these steps:
- Contact your insurer: Get a list of approved trackers or their specifications.
- Research and select a tracker: Compare features, pricing, and subscription costs.
- Choose an installer (if required): Opt for an approved installer if your insurer mandates it.
- Have the tracker professionally installed: Ensure proper installation for optimal performance and warranty coverage.
- Activate the tracker: Follow the provider's instructions to activate the tracking service.
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