Tracker non-compliance

Tracking is sold as a one-time fitment, but insurers treat it as an ongoing condition of cover: the unit must be live and transmitting at the moment of a theft or hijacking, not merely present in the car. That distinction is why tracker non-compliance is the single most common reason theft claims are refused — the cover was technically in place, but the condition behind it was not met.

The failure is usually silent. A flat backup battery, a disconnected antenna, an unpaid subscription, or an electrical fault can take a unit offline with no dashboard warning, and the owner only discovers it when a stolen car cannot be located and the claim is declined. Under the insurance contract that risk sits with you, not the tracking company.

The defence is routine. Ask your provider for periodic signal or health tests, keep the subscription paid, act immediately on any "unit not reporting" notification, and re-test after any auto-electrical work or battery replacement. A two-minute check protects the whole sum insured.