<-- GTM-KMFQ9LV - Arabic --> <-- GTM-W2MD8HC - English -->

Lower insurance premiums through risk management strategies

Reduce Insurance Premiums

Significantly reduce your insurance premiums by partnering with Cartrack.

Crash Alert

Should your vehicle be in an accident, our 24/7 control room will receive an alert and emergency services will be immediately dispatched.

Stolen Vehicle Recovery

Cartrack can recover your stolen vehicle with our world-class tracking technology and vehicle recovery system. Cartrack has a proven track record of recovering vehicles in high-crime regions such as South Africa.

Why Insurance Telematics?

Insurance telematics provides the means for both the insurer and the fleet operator to manage driver behaviour for the better, and in turn, dramatically reduce loss ratios as a result of accidents.

Using Cartrack’s Insurance Telematics technology, drivers are assessed based on many key driving habits and behaviours, including:

1) The specific time of day that drivers are on the road
2) The amount of kilometres driven in a month
3) The high-risk areas that vehicles are predominantly driven or parked in
4) Driver specific elements such as speeding, sharp cornering and harsh braking, which increases the driver’s risk profile

A temperature alert reading showing current temperature of a cargo delivery truck and the exact location of the truck
An illustration of an apple macbook showing the schedule of fleet drivers available for dispatching

How Insurance Telematics Works


Mitigate / Reduce Fraudulent claims
Reduce claim- recover vehicles pay-outs for stolen vehicles
Improve claim processes - data can be used as evidence
Vehicle check
Mitigate losses on motor vehicle claims
• Re-enactment of accidents
• Stolen Vehicle Recovery
Manage high-risk clients

Communicate and
legitimate data on driver behaviour

• Aggressive Driving
• Over-speeding
• Usage (driving hours)
• Route tracking
Enrich their auto insurance value proposition by adding services built upon data provided by telematics.

Represent a way of de-commoditising the car insurance policy.

In the medium/long term, this characteristic will become more and more important owing to the de-risking trend in the Motor Third Party Liability business, and due to the technical progress relating to security and connected cars.
An illustration of the Cartrack fleet tracking software sending a real-time alert about a cargo door open
An illustration of an apple macbook showing the schedule of fleet drivers available for dispatching


Increase safety and security
Reduced premiums or discounts in respect to the data collected
Risk influencer – driver behaviour changes as drivers become more conscious of the way they drive.