Discover how installing a car tracker can reduce your premiums by up to 30% while providing superior vehicle security and peace of mind.
Explore Insurance BenefitsVehicle tracking systems offer multiple advantages that insurance companies recognize with premium discounts
Most insurance providers offer discounts of 15-30% for vehicles equipped with certified tracking systems, leading to significant annual savings.
Tracked vehicles are recovered up to 24 hours faster than non-tracked vehicles, minimizing damage and insurance claim costs.
Some insurers offer pay-as-you-drive policies based on actual vehicle usage data from your tracker, potentially saving low-mileage drivers even more.
Advanced features like geofencing, immobilization, and impact alerts deter thieves and prevent theft, reducing risk for insurers.
Some tracking systems monitor driving habits, allowing safe drivers to qualify for additional insurance discounts.
Many insurers reduce voluntary excess requirements for tracked vehicles, lowering your out-of-pocket costs in case of a claim.
Approximate insurance premium discounts offered by major South African insurers for certified tracking systems
| Insurance Company | Discount Range | Requirements |
|---|---|---|
| Santam | 15% - 25% | SATrack-approved system with tracking and immobilization |
| Outsurance | Up to 30% | Certified tracking device with monitoring subscription |
| Discovery Insure | 15% - 20% | Approved tracking system with monitoring capabilities |
| Hollard | 10% - 20% | Thatcham-approved tracking device with active subscription |
| MiWay | 15% - 25% | SATrack or Thatcham-certified system with backup battery |
Common questions about car trackers and insurance benefits
Savings vary by insurer and vehicle value, but most South African insurance companies offer between 15% and 30% discount on comprehensive premiums for vehicles with certified tracking systems. For a premium of R1,500 per month, this could mean savings of R225 to R450 monthly.
Most insurers require SATrack (South African Insurance Crime Bureau) or Thatcham-certified systems. Popular approved brands include Cartrack, Tracker, Netstar, Matrix and Beame. Always verify with your insurance provider before purchasing a tracking device.
In most cases, yes. The average tracking subscription costs between R99 and R199 monthly, while insurance savings typically exceed R200 monthly. This means most vehicle owners not only recover the subscription cost but also save additional money on their insurance premiums.
Absolutely. Beyond insurance benefits, trackers provide vehicle security, quick recovery if stolen, driving behavior monitoring, trip history, and peace of mind. Many systems also offer additional features like fuel monitoring, maintenance alerts, and emergency response services.
Contact us to find the perfect insurance-approved tracking solution for your vehicle and start benefiting from lower premiums immediately.
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