This morning, my BMW X5 40i was taken in the UK. Intruders entered my home, searched, and located my key, which was stored in an anti-theft wallet. I do not believe the car is equipped with a dedicated tracker; however, it was outfitted with technology upon purchase. It includes a Thatcham 1 Alarm System with Remote Control and Engine Immobiliser, a M Sport Pro Package, a Technology Package, and the BMW app, which, while not a tracker, provides real-time location updates and features 360-degree cameras. Despite my explicit decision not to install a tracker on the insurance vehicle, my inquiry is whether my insurance necessitates the use of a tracker, given that my policy lacks an endorsement mandating it and the insurer has not requested one. The terms explicitly state: You will not be covered if
Your vehicle was either unlocked or a window or sunroof was ajar.
Your keys were left in or on your vehicle.
Your vehicle lacks a functional security or tracking system.
Thank you for any comments!