Mine has a Tracker which I didn't know. I discovered whilst doing some work on the car.
However, given the age of our yours and mine, Tim, the internal battery may not be working now so it would be a lottery as to whether they could re-activate.
As for insurance being cheaper on the street - I guess this is because people are probably not likely to claim for minor damage / vandalism due to excess so from a risk point of view - a total loss caused by the situation from the OP is worse for the insurance companies vs. a claim for accident damage or serious vandalism on the street.