Learn Thatcham certification, why insurers require approved vehicle trackers, and how S5 and S7 trackers enhance security. Discover the benefits of Thatcham-approved tracking solutions for theft prevention and insurance savings.
Vehicle security is a top priority for both owners and insurers. With vehicle theft on the rise, insurance companies require robust security measures to mitigate risks. One key requirement is the installation of a Thatcham-approved tracker, a device that meets stringent security standards. But what exactly is Thatcham certification, and why does it matter?
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What Is Thatcham Certification?
Thatcham Research is a UK-based organisation that sets security and safety standards for vehicles and automotive products. Established in 1969, Thatcham plays a pivotal role in improving vehicle security by testing and rating security devices, including GPS trackers.
To earn Thatcham approval, a vehicle tracker must meet rigorous security criteria. These trackers undergo extensive testing to ensure they can effectively prevent theft and aid in vehicle recovery. Insurance-approved trackers are categorised based on their features and capabilities, ensuring different levels of protection depending on vehicle type and risk factors.
Thatcham Tracker Categories: S5 vs. S7
Thatcham-approved trackers fall into different categories, the most notable being S5 and S7. These categories help insurance companies determine the level of security provided by a tracker and assess risk accordingly.
S5 Trackers – The Highest Standard of Security
S5 trackers represent Thatcham’s highest level of security and are often required for high-value vehicles. These trackers include advanced theft prevention and recovery features such as:
- Driver ID authentication – Prevents unauthorised use by requiring a key fob or tag to verify the driver’s identity.
- 24/7 monitoring – Ensures immediate response in case of theft.
- Remote immobilisation – Allows the vehicle to be disabled remotely, preventing thieves from using it.
- GPS and GSM tracking – Provides precise location tracking, even if the vehicle is moved without permission.
S5 trackers are particularly beneficial for high-risk vehicles, as they significantly improve recovery chances and reduce insurance premiums.
S7 Trackers – Essential Tracking for Security
S7 trackers are a more basic category of Thatcham-approved devices but still provide effective tracking solutions. These trackers include features such as:
- Live GPS tracking – Monitors vehicle location in real time.
- Motion alerts – Detects unauthorised movement.
- Geofencing alerts – Notifies users if the vehicle leaves a designated area.
While S7 trackers offer valuable protection, they lack features like driver ID and remote immobilisation, making them a lower security option compared to S5 trackers.
Why Do Insurers Require Thatcham-Approved Trackers?
Insurance companies prioritise risk management, and vehicles equipped with Thatcham-certified trackers pose a lower risk. Here’s why insurers mandate these devices:
1. Theft Prevention and Recovery
Thatcham-approved trackers deter thieves and improve vehicle recovery rates. Many modern thieves use relay attacks to bypass keyless entry systems, but an S5 tracker with driver ID authentication can prevent unauthorised access.
2. Lower Insurance Premiums
Vehicles fitted with Thatcham-certified trackers often qualify for reduced insurance premiums. Since these devices enhance security, insurers may offer lower rates as a reward for proactive theft prevention.
3. Compliance with High-Value Vehicle Policies
For expensive cars, insurers may refuse coverage unless an S5 tracker is installed. This requirement ensures that luxury and high-performance vehicles have the best protection available.
Choosing the Right Thatcham Tracker
When selecting a tracker, vehicle owners should consider:
- Insurance requirements – Check if an insurer mandates an S5 or S7 tracker.
- Vehicle value and risk level – High-value cars benefit from S5 trackers due to advanced security features.
- Budget and security needs – While S7 trackers offer essential protection, S5 trackers provide enhanced features for greater security.
Final Thoughts
Investing in a Thatcham-approved tracker is a smart decision for vehicle owners looking to enhance security, reduce theft risks, and potentially lower insurance costs. Whether opting for an S5 tracker with advanced theft prevention or an S7 tracker for reliable GPS tracking, choosing a certified device ensures compliance with insurance requirements and peace of mind.
For more information on Thatcham-certified vehicle trackers, visit Crystal Ball.