Why would you want a tracker of it doesn't benefit your insurance?
Having a tracker is not just about insurance. It may be to some people but not everybody.
Surely by this logic there's no point in the OE Thatcham Cat 1 alarm and door locks then if they don't get you a hefty discount on your insurance policy?
Just because your car is stolen it doesn't always mean that it will be ragged half to death by some baseball capped chav scum. Many desirable cars are stolen to order and are therefore required to be in pristine condition.
Many people do want their pride and joy back as soon as possible if it is stolen and Tracker technology is generally that good nowadays that many thieves are apprehended before they get chance to do any damage.
Insurers like trackers because in many cases if a car is stolen it can be recovered and therefore they only have to pay for repairs and not a total loss, thus meaning they make more money and can keep premiums down. Because of this they really should offer bigger discounts for those of us that fit and use trackers on their cars, but this isn't always possible.
Its all down to the individual. Some of us wouldn't want their car back if it got nicked and yet others would. Some people are only interested in security on cars if it brings their premiums down - others like the peace of mind decent security on their car gives them.
J