You see the phrase “insurance approved” on trackers all the time, but the marketing rarely explains it. It is worth understanding, because it is the difference between a device that carries weight with your insurer and one that is just a gadget. Here is what it actually means.
What “insurance approved” means
An insurance approved tracker is one that has been tested against a recognized security standard by an independent body, not by the company that makes it. The system is assessed for how it performs: how it reports, how it resists tampering, how it is installed, and how it holds up to the methods thieves actually use.
Approval is not a marketing badge a company can hand itself. It comes from meeting a defined standard that an outside organization verifies. That independence is the whole point. It means the claim has been checked by someone with no stake in selling you the product.
Why it matters to your insurer
Insurers deal in risk, and an approved tracker lowers the risk on a vehicle. A car with an independently tested, monitored system is more likely to be recovered if it is stolen, which means a smaller loss for the insurer. That is why some insurers offer a discount for an approved tracker, and why some require one before they will cover certain higher-value or frequently targeted vehicles.
The exact effect on your policy is between you and your insurer. Always check with them directly before you buy, and ask whether approval affects your premium or your eligibility for cover. Anyone quoting you a fixed percentage without knowing your policy is guessing. For the fuller picture, read do car trackers lower your insurance.
Approval is only half the story
A tracker can be approved and still be poorly used. Two things decide whether approval turns into real protection.
First, installation. Approved systems are meant to be professionally fitted. A device that is wired in properly and hidden is far harder for a thief to find and disable than something plugged into a port. Approval assumes it is installed the way it was designed to be.
Second, monitoring. Approval tells you the system meets a standard. It does not, by itself, mean anyone is watching. That is why the service behind the tracker matters as much as the badge. See monitored vs self-monitored trackers for why that gap is so important.
How ScorpionTrack handles it
Every ScorpionTrack tier is insurance approved, and every one is professionally fitted and monitored 24/7 from our Secure Operating Center. That combination is what makes approval meaningful in practice. If your vehicle moves without authorization, we contact you. You do not have to notice it is gone, check an app, or report it first. We reach out to you.
There are four tiers so you can match the approval to the protection you need:
- Scorpion Go, a battery unit with no permanent power connection.
- Scorpion Standard, hardwired monitored recovery.
- Scorpion Secure, adding two Automatic Driver Recognition tags to defend against keyless and relay theft.
- Scorpion Elite, adding remote immobilization so a stolen vehicle can be stopped, not just chased. Prevention beats recovery.
Browse them at our products.
What to check before you buy
Ask three questions. Is the tracker independently approved to a recognized standard? Is it professionally fitted? Is it monitored, and who is doing the watching? If the answer to all three is yes, the approval means something. If not, you may be paying for a badge that does not do what you think.
British engineered and protecting vehicles since 1973, ScorpionTrack is built to meet those standards and back them with a real team. Talk to us and check the details with your insurer before you decide.