Tracking system - worth it even if insurance don't require?

[sonnenschein3000]

Hello everyone

Are tracking systems worth it even if my insurance company don't require it? I live in the midlands and there has been a significant increase in the number of car thefts around here over the past few years (from what I hear). I have a steering wheel lock already.

I just wanted to know what people think.

[slybunda]

it does lower insurance costs. saved £46 a year having a tracker fitted to a 2007 toyota aygo.

[xjay1337]

slybunda said:

it does lower insurance costs. saved £46 a year having a tracker fitted to a 2007 toyota aygo.

Not sure if serious.

[GW65]

In the past, I've had cars that insurers would only cover if they had a Tracker fitted. However, things seem to have changed... Now, fitting a Tracker seems to make no difference to premiums, and generally doesn't seem to be a requirement even on expensive cars.

Should you fit one? I used to think yes...but now I'm not so sure. If your car is stolen without a Tracker, it may never be recovered so you take a hit on the insurance and you get a replacement car (GAP insurance is your friend). If your car is stolen with Tracker, it may still not be found (container = Faraday cage) but if it is it will potentially have a lot of damage so you'll still take a hit on the insurance and you'll be left with a car that will never be the same again and may be harder to sell. So, on balance, probably better not to fit one.

[Paul Drawmer]

The requirement to fit an approved tracker will vary from insurer to insurer, and from car to car.