How does a vehicle tracker work and how does it affect insurance?

Buying a car requires a considerable investment. It is common for some people to save for months, or even years, to finally acquire this asset. This is precisely why it is so important to take the necessary precautions to protect your car against misfortune and avoid damage.

Car insurance is , without a shadow of a doubt, the best way to ensure the safety of your assets. But, with the advancement of technology, accessories capable of increasing your protection have emerged, such as vehicle trackers. After all, you can never have too much security!

If you still don’t know how this equipment works and how it affects car insurance, follow our post and clarify all your doubts on the subject.

What is a vehicle tracker?

As the name suggests, this is a technological device installed in cars, whose objective is to indicate your location in real time. It is very useful in cases of robbery and theft, as it allows the vehicle to be quickly found, thus facilitating its recovery.

Currently, vehicle tracking works through two different technologies, each with its advantages and disadvantages, depending on the use of the vehicle. Are they:

Via radio frequency

Radio frequency location technology became popular after the emergence of mobile telephony. It works by triangulating the signals captured by cell phone receiving antennas, indicating the position of the sending device with a very low margin of error.

The vehicle tracker is capable of communicating with the operators that control these antennas, receiving in response its location in any area with signal coverage.

As radio frequency is not interfered with by physical barriers, this technology works even in closed places, such as tunnels and garages, which makes it very useful for those traveling in urban centers.

On the other hand, it depends on signal coverage to work. In other words, cars that are located in isolated regions — such as roads, farms and some inland cities — cannot be located via radio frequency.

By satellite

Satellite tracking uses the Global Positioning System (GPS) to work. Although it is not such a new technology, it has become much more accessible nowadays.

This system uses signals emitted and captured by a set of satellites that orbit the Earth, and the tracker can translate these signals into coordinates capable of indicating its exact location in real time.

Unlike radio frequency, GPSs suffer interference from physical barriers, making it difficult to locate cars that are in closed spaces. On the other hand, it works anywhere on the planet, even if there is no signal coverage, making it the ideal technology for those who travel a lot in their car .

How to purchase a vehicle tracker?

The installation and maintenance of the location device is carried out by companies specialized in the subject. Generally, there is a fixed cost to purchase the tracker and a monthly fee to keep it running.

The vehicle’s location can be accessed by the driver himself — through a cell phone application — or through the service channels of the company responsible for its maintenance.

If something unfortunate happens, the vehicle owner can contact the company responsible for this service and they will immediately take the appropriate measures to contact the authorities and recover the car.

Currently, many insurance companies already offer the installation of the tracker and the assistance service alongside the contracted coverage, for a fair price. This is very useful, as it further increases the vehicle’s protection and is capable of generating insurance discounts.

Is the vehicle tracker enough to guarantee your safety?

As much as this technology is very useful in helping to locate the vehicle in the event of robbery and theft, the truth is that it does not offer the necessary protection to guarantee the safety of this asset and avoid harm to drivers.

Firstly, the vehicle tracker does not guarantee the recovery of the car with absolute certainty and not all companies guarantee full compensation in cases where recovery is not possible.

Secondly, the tracking service only offers the possibility of locating and recovering the stolen vehicle. It does not provide any guarantee against possible breakdowns and damage to the bodywork and parts of the car. These losses are, in most cases, borne by the owner.

Finally, companies that only work with vehicle tracking do not offer protections against other misfortunes that do not involve theft or theft. In the event of flooding, fire, hail or collision, for example, the driver will have to bear the losses on their own.

Any protection not guaranteed in these cases can only be obtained through insurance. In other words, the vehicle tracker does not, under any circumstances, replace contracting the service provided by an insurance company. He should be hired as an addition, not as an alternative.

Why is it important to take out car insurance with the tracker?

As we mentioned in the previous topic, car insurance offers protections that go far beyond the mere location and recovery of the vehicle in the event of robbery or theft. If you want to keep your car safe, it is essential that you find a good insurance company.

The simple act of driving alone puts drivers at constant risk. We are never fully prepared to deal with an unforeseen event, such as a collision, an accident or a flood. Therefore, it is important to have insurance that offers assistance in all these cases and can also indemnify you against possible losses.

When taking out insurance with the installation of a tracker, you can also obtain discounts on the value of the policy. After all, the presence of this device considerably reduces losses in the event of theft or theft, as the chances of recovering the vehicle increase and, as a result, the need for full compensation decreases.

However, if the car is not found or is badly damaged, the insured party simply needs to pay the deductible amount for the insurance company to compensate them against any losses.

Although the vehicle tracker is a very useful device, don’t think that it can replace car insurance. The truth is that the combination of these two services offers only advantages, both for the car owner and the insurance company!

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