But there are also now aftermarket plug-in devices that owners can retrofit, either in agreement with the insurance company or at their insistence.
One case where they could insist on the devices is if the rider has made a number of claims, proving a history of risky riding behaviour.
Automotive technology company ERM Advanced Telematics has developed three aftermarket products specifically for insurance companies to track vehicles.
StartLink OnBat, UBI-Tag and UBI-Plug will be available later this year. We imagine the insurance companies will be looking very closely at these.
StarLink OnBat is a miniature monitoring and tracking device that connects via two wires to the vehicle battery and has an internal backup battery, GPS and a cellular modem in a small, waterproof (IP 67) encasement.
Size and waterproofing make it ideal for fitting to motorcycles.
It sends data regarding motorist behaviour and location to the service provider’s servers or to the insurance company based on a pre-determined frequency.
UBI-Tag is a sensor and Bluetooth interface with a single-use battery that lasts three years. It sends data via a dedicated app on the motorist’s smartphone directly to the server of the service provider or the insurance company. Again, this would suit a motorcycle.
UBI-Plug is a version of the UBI-Tag that is only for use in cars as it plugs into the lighter socket, if it still has one!