It's common for an insurer to ask for a Thatcham-approved alarm, immobiliser or tracker before they'll cover a vehicle, especially for vans, high-value cars, motorhomes and vehicles parked in higher-risk areas. Here's what that means and how to get it right first time.
What does Thatcham-approved mean?
Thatcham Research tests vehicle security products on behalf of the UK insurance industry. Products that pass are given an approved category, so insurers can ask for a known standard of protection rather than just "an alarm" or "a tracker".
Why do insurers ask for it?
Approved security makes a vehicle harder to steal and easier to recover. Some insurers make it a condition of cover; others offer a lower premium if you fit it. Either way, the requirement is set by your insurer, not by the installer.
How to find out what you need
- Check your policy schedule or endorsements. Look for wording like "Thatcham Category", "S5", "S7" or "approved tracking device".
- Ask your insurer or broker exactly which category they accept, and whether a fitting certificate is needed.
- Ask about deadlines. Some policies give you a set number of days to get the device fitted.
Alarms, immobilisers or trackers?
Alarms and immobilisers help stop a theft happening. Trackers help get the vehicle back if it is taken. Many insurers ask for one or the other; some ask for both. Telling us the exact wording from your insurer is the quickest way for us to recommend the right system.
If you need a tracker, our guide to S5 vs S7 trackers explains the difference.
Getting it fitted
We fit Thatcham-approved alarms and trackers from Pandora, Scorpion, Crystal Ball and Moving Intelligence, with mobile fitting across Nottingham and the Midlands. Send us the vehicle details and your insurer's requirement, and we'll confirm the right system and price before booking.