Does a GPS/tracking device qualify me for a discount?

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A GPS or tracking device is a smart addition to your bike, because it can help you recover your bike after it has been stolen.

The distinction worth knowing: a tracker is a recovery aid, not an anti-theft device. It does not deter or prevent the theft itself, which is why it does not by itself qualify you for a premium discount.

Why doesn’t a GPS tracker earn a discount?

A premium discount rewards measures that reduce the chance of a theft happening in the first place. A tracker works after the fact, improving your odds of getting the bike back once it is already gone, so it sits in a different category from the anti-theft devices that lower your risk up front.

Should I still use a GPS tracker on my bike?

A tracker is well worth using for the recovery value alone. Pair it with a quality lock and smart locking habits, and you get both the deterrence that reduces the chance of a theft and the recovery odds the tracker adds if your bike is ever taken.

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Nothing in these FAQ pages will amend, change or modify the wording of the issued policy.