Understanding high-risk vehicles and tracking device requirements
Short-term insurance is there to support you when unexpected things happen — it’s peace of mind for life’s surprises. To provide this protection, insurers assess various risk factors to calculate fair and sustainable premiums. Naturally, risk levels can vary based on who you are, where you live, and what you’re insuring.
In recent years, there has been an increase in theft and hijacking of certain vehicles and in specific areas. To manage this risk — and to help keep premiums affordable for everyone — insurers often require additional security measures for vehicles that are more likely to be targeted.
One common requirement is a tracking device for certain high-risk vehicles. In some cases, insurers may ask for two devices for extra security. While each insurer has its own list, many vehicles appear on most lists. High-risk areas are also determined based on insurers’ claim histories, so they can differ between companies.
For your convenience, here is Santam’s current list of vehicles that are considered high-risk.
Nationwide:
- Lexus LX series (2015+)
- Toyota Prado (selected models, 2017+)
- Toyota Land Cruiser (200 series, 2015+)
- Toyota Land Cruiser (300 series, all models)
Gauteng, KwaZulu-Natal, and some North-West towns:
- Nissan NP200
- Toyota Etios
- Toyota Hilux (2005+)
- Toyota Fortuner
- Hyundai H100 / Kia K2700/2500
- Isuzu (selected D-MAX, 2018+)
- Toyota Rav4 (5th generation)
- Toyota Quantum
Keep in mind: the risk area is based on where the vehicle is mainly kept and used.
For example, if you live in Cape Town but only visit Gauteng for a short holiday, you won’t need to install a tracking device just for the trip. But if you relocate and your car is now regularly in a high-risk area, please let us know so we can update your policy — the insurer may then require a tracking device if the area and model combination requires it.