Vehicle Tracking & Insurance

Cartrack vehicle tracking

Written by Daniel Pretorius Insurance Content Editor Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 28 July 2026 Our editorial standards →

Cartrack is a large telematics company with a wide international footprint that began in South Africa. An approved Cartrack unit matters to drivers because insurers often require a tracker on higher-risk cars and may lower the premium for one.

How does Cartrack tracking affect my car insurance?

Cartrack pairs stolen vehicle recovery with telematics for both private motorists and fleets, offering an app, driving insights and recovery support. Its devices are commonly accepted by South African insurers, so a Cartrack fitment can satisfy a cover requirement on a theft-prone car and may help reduce your comprehensive premium. It suits drivers who want a widely recognised brand that blends recovery with everyday tracking and useful in-app driving features.

Cartrack features

GPS tracking with stolen vehicle recovery support
A mobile app for location, trips and driving insights
Recovery coordination with response teams
Telematics and driver-behaviour reporting
Plans for both private cars and business fleets
Professional fitment with a certificate insurers can accept

Pros

Large subscriber base and broad operational footprint
Combines recovery with everyday telematics and an app
Widely recognised on insurers' approved-device lists
Options for private owners and fleets alike

Things to check

A monthly subscription is required to keep the service live
Feature range can be more than a basic user needs

Trackers and your insurance premium

Many South African insurers make an approved tracker a condition of comprehensive cover on cars that appear regularly on theft and hijacking lists, and Cartrack is one of the brands they commonly accept. A professionally fitted Cartrack unit that is on the insurer's approved schedule, supported by a valid fitment certificate, can meet that requirement - and because a recoverable vehicle lowers the risk of a total-theft payout, it may earn a discount. Cartrack's app and telematics add day-to-day convenience, but it is the recovery capability that most affects your cover. The benefit relies on keeping the subscription active: a dormant device or lapsed account when a theft occurs can complicate a claim. As tracking is only one of many pricing factors, the practical step is to compare quotes from several insurers with a Cartrack device fitted and check the saving against the running cost.

Frequently asked questions

Does Cartrack work for both cars and fleets?

Yes. Cartrack serves private motorists and business fleets, combining stolen vehicle recovery with telematics and an app. Private owners can choose a plan focused on recovery and everyday tracking, while fleets can use its broader management features.

Is Cartrack accepted by South African insurers?

Cartrack is one of the more widely recognised tracking brands, but each insurer keeps its own approved-device list and may require a specific plan for certain vehicles. Confirm with your insurer before fitting to ensure it meets the policy condition.

Will a Cartrack tracker reduce my premium?

It can. An approved recovery device reduces the insurer's theft risk, which may lead to a discount or lower premium. The saving depends on the insurer and vehicle, so compare quotes with the tracker fitted to see the real effect on your price.

Other tracking providers

A tracker can lower your premium

Many insurers reward an approved tracking device with a lower premium. Compare car insurance quotes and see what you could save.

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