You have probably heard that fitting a tracker can lower your car insurance. It is one of the first things people ask before they buy. The honest answer is: sometimes, and it depends on your insurer and your vehicle. Here is how it really works, without the sales spin.
The short version
Some insurers offer a discount when you fit an insurance approved tracker, especially on higher-value or frequently targeted vehicles. Others do not offer a discount but may still ask for a tracker as a condition of covering the car at all. Either way, the only person who can tell you the exact effect on your premium is your own insurer. Call them, tell them the make and tier you plan to fit, and ask directly.
We will never quote you a percentage or a dollar figure, because anyone who does is guessing. Premiums are set by dozens of factors: your zip code, your driving record, the car, your mileage, and more. A tracker is one input among many.
Why insurers care about trackers at all
Insurers price risk. A stolen car that is never found is a total loss they have to pay out. A stolen car that gets recovered quickly, often with little damage, costs them far less. A monitored, insurance approved tracker tips the odds toward recovery, so it lowers the risk they are carrying.
That is also why the type of tracker matters. A cheap plug-in you monitor yourself through an app does not carry the same weight as a professionally fitted system watched around the clock. For more on that gap, read monitored vs self-monitored trackers.
Where ScorpionTrack fits
Every ScorpionTrack tier is insurance approved, and every one is monitored 24/7 from our Secure Operating Center. That is the part that matters for a claim. If your vehicle moves without authorization, we contact you. You do not have to notice it is gone, open an app, or report it first. We are watching, and we reach out.
If you want the strongest position, look at the tiers built to stop theft rather than just track it:
- Scorpion Secure adds two Automatic Driver Recognition tags, which defend against keyless and relay theft by confirming an authorized driver is present.
- Scorpion Elite goes further with remote immobilization, so a stolen vehicle can be stopped rather than chased. Prevention beats recovery every time.
For a hardwired, monitored baseline, Scorpion Standard covers the essentials.
What to actually do
- Decide which tier fits your car and your risk. Browse them at our product range.
- Before you buy, call your insurer. Ask whether an approved, monitored tracker affects your premium or your eligibility for cover.
- Get the tracker professionally fitted. Insurers and approval standards expect proper installation, not a DIY job.
- Keep your paperwork. If a discount applies, your insurer will usually want proof of the system and the fitting.
The bigger picture
Do not buy a tracker only to shave a few dollars off a premium. The real value is what happens on the worst night: your car is targeted, and instead of waking up to an empty driveway with no idea where it went, you get a call from a team that already knows it is moving. A discount, if you get one, is a bonus on top of that.
If you are weighing up whether the whole thing is worth it, read are GPS trackers worth it. And if you are tempted by the cheapest option, why a cheap car tracker is a false economy is worth five minutes.
British engineered and protecting vehicles since 1973, ScorpionTrack is built to do the job when it counts. Talk to us about the right tier for your vehicle.