Cartrack recovery

Does Cartrack Pay for a Stolen Car?

What a tracker company does (and does not) pay for, and how Cartrack handles a car it cannot find.

Updated 30 September 2026 · Tracker Prices South Africa

Tracker Prices SA is an independent comparison site. We are not Cartrack and are not affiliated with it, so we cannot access your account, log you in or cancel a contract for you. Facts on this page were checked against official Cartrack sources in September 2026; the provider’s own website is always the final word.

Quick answer: Normally your insurer, not the tracking company, pays out for a stolen car that is not recovered. Cartrack has offered a Recovery Warranty (launched in 2019, up to R1 million on qualifying vehicles and plans) that pays out in some cases, subject to its terms. If a car is not found within minutes, Cartrack says a “Be On the Lookout” alert goes to all its recovery teams and the case stays open.

What happens if Cartrack can’t find your car?

According to Cartrack, if a vehicle is not recovered within 10 minutes, a BOLO (Be On the Lookout) alert is sent to all recovery teams, the case remains open and the vehicle continues to be monitored. You should still report the theft to SAPS on 10111 and to your insurer.

The Cartrack Recovery Warranty

Cartrack launched a Recovery Warranty in 2019, promising up to R1 million if a qualifying vehicle fitted with Cartrack is stolen and not recovered. It only applies to certain vehicles and plans, and conditions apply (for example, reporting the theft promptly). Ask Cartrack whether your contract includes it and get the terms in writing; the warranty has been the subject of disputes referred to the ombudsman.

How to get a Cartrack certificate

Your insurer may ask for a tracker installation certificate. Request it from Cartrack client services on 011 250 3000 or clientservices@cartrack.com, and send it to your insurer or broker. See our guide to getting a tracker certificate from any provider.

Looking for an alternative to Cartrack?

If you are reviewing your Cartrack contract, compare it with Matrix before you renew. Matrix Beame gives insurer-approved recovery from R99 a month with no wiring, and the new Matrix Vision dashcam adds road-facing and in-cab AI cameras, collision and distraction alerts and live streaming from R359 a month. Both come from MiX by Powerfleet, one of South Africa’s longest-running vehicle telematics companies.

Related tracker plans

Cartrack plans vs our Matrix picks

Monthly prices from our catalogue. Click Get quote to compare offers for your vehicle.

CartrackBasic

Quick

R99/month
Free installation (36-month contract) · 36-month contract
  • Stolen vehicle recovery
  • 24/7 monitoring centre
  • Live GPS tracking
  • Mobile app access
  • + 1 more feature
CartrackMid-range

Quick Plus

R149/month
Free installation (36-month contract) · 36-month contract
  • Stolen vehicle recovery
  • 24/7 monitoring centre
  • Live GPS tracking
  • Mobile app access
  • + 3 more features
New · Matrix Vision dashcams

Every trip on camera. Every driver protected.

Road-facing ADAS and in-cab AI cameras in one 4G-connected unit, data bundle included. Collision, tailgating and rollover warnings, phone-use and drowsiness alerts, live streaming with push-to-talk, and privacy blurring, all from one platform.

Prices incl. VAT. Data bundle limits apply. Not ideal for long-haul night-time operation.

Matrix Vision dual dashcam
Top pick · Matrix Beame

Insurer-approved theft recovery from R99/month

A small wireless unit hidden in your car in minutes, with no wiring into its electronics and a battery that lasts up to three years. Approved by major insurers, with jamming detection and 24/7 recovery.

  • R99per month, VAT incl.
  • 3 yrsbattery life
  • 0wires into your car
FAQ

Common Questions

Does Cartrack pay if my car is not recovered?+

Only if your plan includes Cartrack’s Recovery Warranty and its conditions are met. Otherwise your insurer handles the claim.

What happens if Cartrack can’t find my car?+

Cartrack says a BOLO alert goes to all recovery teams and the case stays open.

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