Can I get insurance discounts for using a tracker or disc lock?

Key points Insurers set premiums based on risk: good security can reduce that risk. Approved trackers and alarm/immobiliser systems often attract the biggest discounts. Some providers ask you to declare a specific lock or chain brand/rating when getting a quote. In some cases, certain levels of security are a condition of cover, not just a nice-to-have discount. You must use the security devices as declared; not doing so can affect claims. When you get a quote for an Aprilia SR GT 125 or any other scooter, comparison sites and insurers usually ask about: Where the bike is stored (garage, driveway, street). What additional security it has (lock, alarm, immobiliser, tracker, ground anchor, etc.). Broadly, insurers tend to see the biggest risk reduction from: Thatcham/Sold Secure-approved trackers that help recover the bike if it is stolen. Factory-fitted or approved alarms and immobilisers. Independent guides and brokers report that these devices can sometimes unlock noticeable premium reductions, especially in higher-risk areas. Good locks, chains, disc locks and secure storage can also help, either with small discounts or simply by making it easier to get a quote in the first place. However, it’s not guaranteed that every device = a lower price. Some insurers: Offer only one “security discount” regardless of how many devices you have. Use security as a minimum requirement (for example, a ground anchor and approved chain at home) rather than a discount. State in the small print that if your bike is stolen while the declared security is not in use, your payout can be reduced. The safest approach is to: Use solid, independently rated security for its main purpose: stopping theft. Accurately declare what you have when you get your quotes. Read the policy wording so you understand when the lock, alarm or tracker is expected to be in use.