Some insurers ask for a tracking device on certain vehicles, often higher-value cars, vehicles with higher theft risk, or commercial vehicles, and some offer better terms when one is fitted. Requirements differ between insurers and policies, so check what your insurer accepts before buying, keep proof of installation, and make sure the tracker stays active. A tracker that has been offline for months may not help a claim.
Key takeaways
- Requirements differ by insurer, policy and vehicle: always check first.
- Ask whether they require specific devices, providers or monitoring.
- Keep the installation certificate or proof and the subscription receipts.
- Keep the SIM and subscription active; an offline tracker may not count.
01Before you buy a tracker
- Ask your insurer or broker whether a tracker is required or recommended for your vehicle
- Ask whether they accept any tracker, or only specific devices or providers
- Ask if they need 24/7 monitoring or remote cut-off, or location only
- Ask what proof they need: installation certificate, device details, subscription status
02What to keep on file
03Keeping it working
- Renew the SIM and platform subscription before they expire
- Check the vehicle appears on the app every so often
- Tell the installer if the car has major repairs or electrical work
- Update the platform if the vehicle's registration or owner changes
If the tracker stops reporting, see car tracker not working. For costs, see car tracker installation cost.
04Frequently asked questions
Do all insurers in Kenya require a car tracker?
No. It depends on the insurer, the policy and the vehicle. Ask your insurer or broker what applies to you.
Can I use any tracker for insurance?
Some insurers accept any working tracker; others list specific devices or providers. Check before you buy.
Does a tracker lower my insurance premium?
Some insurers offer better terms for tracked vehicles, but it varies. Ask your insurer directly.
