I had exactly this conversation with the main dealer on my new to me 2017 AB last week.
Essentially, the InControl Secure is Thatcham Category 6 approved so, if your insurance wants a tracker then you have that option already built into the L405, but you need to pay the annual subscription.
Don't know who your insurer is but I'm with Admiral and they don't insist on a tracker. 2021 D350 Fifty Edition - Carpathian Grey
2017 4.4 SDV8 Autobiography (2021-2024) - Santorini Black
2012 4.4 TDV8 Westminster (2016-2021) - Santorini Black
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