Many motorhome owners are unaware that a GPS tracker can have a direct impact on their insurance premium. Insurers are increasingly looking at the security measures you have put in place — and reward this with a lower premium, or even make security measures mandatory for more expensive motorhomes.
When does the insurer require additional security?
Your insurer’s security requirements depend on the value of your motorhome and the cover you have chosen. Generally speaking:
- Motorhomes over €30,000 — insurers often require additional security
- Comprehensive cover — stricter requirements than third-party, fire and theft or limited cover
- Specific motorhome types (VW California, luxury brands) — additional requirements due to higher risk of theft
Always check your insurer’s policy terms and conditions. The security requirements are usually set out in the special conditions of your policy.
What benefits does a GPS tracker offer with your insurer?
This varies by insurer, but there are three common scenarios:
1. Premium discount
Some insurers offer an immediate discount on your premium if you can prove that your motorhome is fitted with an approved GPS tracker or recovery system. This can amount to 10–15% per year.
2. Mandatory for high-value vehicles
For motorhomes with a high list price, a GPS tracker or SCM-certified system may be mandatory in order to qualify for theft insurance at all.
3. Faster claims settlement
With GPS location data, the insurer can determine more quickly what has happened to your motorhome. This significantly speeds up the claims process.
Calculation example: how much do you save?
| Situation | Amount |
|---|---|
| Annual motorhome insurance (comprehensive cover) | €800 / year |
| Premium discount with GPS tracker (10%) | − €80 / year |
| TrackJack service level costs per year | ± €60 / year |
| Net saving | ± €20 / year — plus complete security |
Even if the financial savings are limited, the peace of mind — and the greater chance of recovery in the event of theft — more than outweighs the costs.
Is a TrackJack tracker recognised by insurers?
TrackJack works closely with the industry and is committed to meeting the requirements of Dutch insurers. For the most up-to-date information on recognition and potential discounts with your specific insurer, we recommend contacting TrackJack directly. Our specialists are happy to help.
Read also
- GPS Tracker for Your Motorhome – How to Secure It
- Securing Your Motorhome: 7 Tips to Prevent Theft
- Campervan GPS Tracker: Professional Installation or DIY?
- View the TrackJack motorhome tracker
Questions about security and insurance? We’re here to help.