I am the owner of a X5 i contacted my insurers, told them change of vehicle, the covered me from the time i purchased the vehicle, but said i have to send proof of a tracker within 14 days, i know it has not got one, so i thought best for now to shop around, i contacted 4 different insurers and all want a tracker fitted, now i know for safety it seems good idea, but why should i have to get one before i am covered, anyone know if there is insurance company that does not need to want a tracker fitted. thanks for help if you can, Paul.