DC CubeTRAICE
    Back book

    Coverage on the agreements you already wrote

    A fitted tracker only protects a vehicle you equipped at origination. A lender with two hundred thousand live agreements cannot retrofit them, and certainly cannot retrofit the ones already in default. Manufacturer connectivity reaches those vehicles today, without touching the car.

    See how TRAICE Recovery works
    The structural problem

    Hardware is a front-book decision. Losses come from the back book.

    Fitted at origination only

    The decision to fit is made before the vehicle leaves. Every agreement written before that policy is uncovered, permanently.

    Retrofit needs the vehicle

    To fit hardware you must first find the car and get physical access — the exact step a default case is missing.

    Portfolio scale

    Even at a modest unit cost, retrofitting a six-figure book is a capital programme, not a process change.

    Data reaches back

    Manufacturer connectivity is already in the vehicle. Eligibility is a VIN check, not a fitting appointment.

    How it runs

    From VIN list to working cases

    1. 1

      Coverage check on the VIN list

      We report which agreements sit on supported manufacturer connectivity, brand by brand, before anything is switched on.

    2. 2

      Contract and DPA

      You remain the controller, TRAICE acts as processor. No hardware procurement, no fitting programme.

    3. 3

      Enable by case, not by fleet

      Data is turned on for vehicles entering default or arrears, which keeps processing proportionate and cost tied to live cases.

    4. 4

      Locate, then dispatch

      Current location, movement patterns and best visit windows reach the recovery desk before an agent is sent.

    TRAICE is not a replacement for hardware on older or non-connected stock. It is the only route that works on agreements written before you had a tracker policy at all. See the full comparison with fitted trackers.

    FAQ

    Frequently Asked Questions

    Questions from lenders sizing coverage across an existing portfolio.

    Only if you can get to it. Retrofitting means locating the vehicle, arranging access and booking a fitter — which is exactly what you cannot do on an agreement that has already gone into default. Hardware protects vehicles you fitted at origination, not the book you already wrote.

    Generally model year 2016 onwards, depending on brand and equipment. That covers a large share of a typical UK motor finance back book, including agreements written years before anyone considered telematics. Coverage is checked per VIN, so you know the exact share before committing.

    No. Most lenders start with a coverage check across the VIN list, then enable data only for the cases that need it — typically vehicles entering default or arrears. That keeps processing proportionate and keeps cost tied to the cases you are actually working.

    They stay on your existing process — ANPR, field intelligence, agent attendance or fitted hardware where it exists. The point of a coverage check is to size the connected majority so you know how much of the book you can handle without hardware at all.

    Find out what share of your book is already connected

    Send one VIN, or the whole list. We report coverage before you commit to anything.

    Book an Intro
    • No hardware
    • No vehicle contact
    • Coverage reported per VIN

    Also in Recovery

    Recovery overviewHow TRAICE Recovery fits into your repossession process, end to end.Read more For recovery agentsCut failed visits with case-scoped location and visit windows.Read more