Stolen Vehicle Recovery for Insurers

Stolen Vehicle Recovery for Insurers

Embedded OEM recovery with 95% recovery rate, no hardware, no installs, no capex. The largest connected stolen vehicle recovery network in Europe.

Insurer model: No recovery, no fee, making recovery a commercial no-brainer.
£1.5B
Annual cost to UK insurers
23%
Current UK recovery rate
95%
Our recovery rate via OEM telematics
72hrs
Average export window before total loss

Recovery Rates Have Collapsed

Recovery rates have fallen from ~80% in 2006 to ~23% today
Premium vehicle brands (Volvo, Mercedes, BMW, Lexus) are targeted most
After day 3-4, many stolen vehicles have already left the UK
Chop shops dismantle vehicles in hours, making conventional recovery almost impossible with delays in conventional theft reporting

Insurers are absorbing the full financial impact, often without viable tools to intervene quickly enough. Embedded connectivity changes this entirely.

50+ Countries

Global recovery network, working 24/7

UK Car Parc Coverage

35% of the UK car parc within reach today, increasing to 95% for vehicles under 5 years old

No Hardware

Direct OEM connectivity, no aftermarket devices to install or maintain

Police Liaison

Working with UK and International law enforcement

For insurers, the impact is severe:

£1.5B annual claims cost
23% national recovery rate (down from ~80% in 2006)
High-value vehicles disproportionately targeted
Rapid export routes reducing recovery windows to hours

The result? Higher payouts, rising premiums, increased claims complexity, and unsustainable pressure on loss ratios.

Our Solution

Embedded Recovery at Scale

Turning Connected Vehicles into Recoverable Vehicles

Onboard Analytics enables insurers to recover stolen vehicles by directly accessing embedded OEM connectivity, no aftermarket hardware, no customer installs, no capex.

95%
Of vehicles >5 years old have connectivity we can exploit
50+
Countries
30+
OEM brands
58M+
Total traceable worldwide

This creates the largest connected stolen vehicle recovery network in Europe.

Why Embedded SVR Wins

Embedded OEM Recovery vs Aftermarket Trackers

Traditional stolen vehicle recovery depends on a device being fitted to each vehicle. Embedded OEM recovery uses the connectivity manufacturers already build in, so your whole book is reachable, not just the handful with a tracker installed.

Capability
Onboard Analytics (Embedded OEM)
Aftermarket Tracker
Vehicles within reach
58M+ across UK & Europe
Only vehicles with a device fitted
Hardware installation
None, factory-fitted OEM connectivity
Engineer install required per vehicle
Time to activate
Minutes, no vehicle downtime
Days to weeks to order and fit
UK car parc coverage
c.35% today, 95% of vehicles under 5 years old
Low single digits
Geographic reach
50+ countries
Typically UK only
Commercial model
No-find, no-fee
Upfront device and subscription cost

Factory-fitted, not fitted later

OEM security and telematics are installed at the factory, so coverage cannot be forgotten, declined or removed by the customer.

No install, no downtime

No engineer visit, no vehicle off-road. Recovery can begin the moment a theft is reported.

Cross-border by default

OEM connectivity follows the vehicle across 50+ countries, critical when stolen vehicles are exported within hours.

How It Works

From FNOL to recovery in hours, not days.

1

Theft Reported

Insurer notifies us via API or secure portal.

2

Immediate Location Access

We retrieve OEM location pings.

3

Live Recovery Coordination

Our partners work with UK police and international law enforcement.

4

Rapid Interception

Average recovery time of 4 hours.

5

Cross-Border Operations

International repatriation and financial recovery where needed.

Why Embedded Technology Wins

Traditional aftermarket trackers are limited. Embedded coverage is exponential.

Aftermarket coverage

~1–3%

of UK car parc

Embedded coverage (Onboard Analytics)

>35%

and growing

That difference represents hundreds of thousands of additional recoverable vehicles.

FNOL Recovery

OEM Telematics & FNOL Vehicle Recovery

When a theft is reported at First Notification of Loss (FNOL), every minute counts. Connected vehicle data changes this entirely.

OEM telematics embeds location intelligence directly into the vehicle at manufacture. When an insurer partner notifies us at FNOL, we access live embedded signals immediately, no hardware dependency, no customer action required.

This makes Onboard Analytics the most effective FNOL-integrated stolen vehicle recovery solution available to UK motor insurers today.

Instant FNOL API trigger, recovery starts within minutes
OEM telematics signals accessed with no customer action required
Connected vehicle data shared securely with our agent network and local law enforcement
Motor insurance theft analytics available post-recovery
Shared insights and MI for insurance partners
Insurer Data

Connected Vehicle Data for Insurers

Beyond recovery, connected vehicle data delivers ongoing motor insurance theft analytics, helping underwriters understand risk, adjust premiums, and model theft exposure more accurately.

Our platform provides insurers with post-recovery data including last-known location trails, export route identification, and theft method indicators, supporting fraud investigation, subrogation, and claims intelligence.

"Connected car theft recovery using OEM telematics doesn't just improve recovery rates, it transforms the economics of motor theft for insurers."

M
Mike Grant
CEO, Onboard Analytics Ltd

Global Reach You Can Rely On

Our network supports recoveries in more than 50 countries, with proven operations extending far beyond Europe, including successful tracking of UK and EU-registered vehicles into territories such as Iraq, the Democratic Republic of Congo, and Malaysia.

Wherever a vehicle goes, embedded signals go with it.

The Upside

Insurer Advantage

Write the footprints others can't

Recover more. Pay out less. Build certainty.

Reduce total loss payouts
Improve theft outcomes and customer satisfaction
Cut fraud leakage with verified OEM signals
Strengthen underwriting performance with real-world risk insights
Build autonomous/ADAS feature and safety diagnostics data for richer prediction and liability insight
Support claims teams with authoritative data

Embedded recovery directly improves combined ratios and supports loss reduction strategies.

For Insurers & MGA's

Stolen Vehicle Recovery FAQ

When a vehicle is reported stolen, the insurer notifies us via API or secure portal. We retrieve OEM location data from the vehicle itself and coordinate recovery with UK police and international law enforcement across 50+ countries. Because the connectivity is factory-fitted, there is no device to install and recovery can begin immediately.

Ready to recover more?

No hardware. No capex. No recovery, no fee commercial model. Direct API integration with your claims platform.

Connected OEM brands

AbarthAbarth
Alfa RomeoAlfa Romeo
AudiAudi
BMWBMW
ChryslerChrysler
CitroënCitroën
CupraCupra
DaciaDacia
DodgeDodge
DS AutomobilesDS Automobiles
FiatFiat
FordFord
HyundaiHyundai
JeepJeep
KiaKia
LanciaLancia
LexusLexus
MaseratiMaserati
Mercedes-BenzMercedes-Benz
MINIMINI
NissanNissan
OpelOpel
PeugeotPeugeot
PolestarPolestar
PorschePorsche
RAMRAM
RenaultRenault
SEATSEAT
SkodaSkoda
StellantisStellantis
TeslaTesla
ToyotaToyota
VauxhallVauxhall
VolkswagenVolkswagen
VolvoVolvo
AbarthAbarth
Alfa RomeoAlfa Romeo
AudiAudi
BMWBMW
ChryslerChrysler
CitroënCitroën
CupraCupra
DaciaDacia
DodgeDodge
DS AutomobilesDS Automobiles
FiatFiat
FordFord
HyundaiHyundai
JeepJeep
KiaKia
LanciaLancia
LexusLexus
MaseratiMaserati
Mercedes-BenzMercedes-Benz
MINIMINI
NissanNissan
OpelOpel
PeugeotPeugeot
PolestarPolestar
PorschePorsche
RAMRAM
RenaultRenault
SEATSEAT
SkodaSkoda
StellantisStellantis
TeslaTesla
ToyotaToyota
VauxhallVauxhall
VolkswagenVolkswagen
VolvoVolvo