I do not have a tracker fitted to mine, only one company asked for it when I was getting quotes. I have a 3.0 fully comp, 9 years NCB, parked on my drive, living in Surrey, Class 1 business miles plus private (c20k pa) and I pay £386 per year. This wasn't the cheapest quote I had either!
I searched online via the usual compare sites plus a few direct companies. Sometimes, depending on your home location the NFU is good for 4x4.
Good luck
Steven