Toyota Fortuner theft is so rampant, the insurer insists some customers install two trackers | Jobs Reply


Santam has begun demanding that some of its insurance clients whose cars are often targeted by thieves and carjackers install a second tracking device in their cars.

MyBroadband became aware of the development when a Santam customer told us the insurer recently informed him of the need for his 2018 Toyota Fortuner.

The additional tracking device must be from a different Santam-approved tracking company than his first device.

The 38-year-old reader had a relatively low-risk profile, claiming only minor punctures and windscreen damage, with no history of car theft or robbery.

The car’s “sleeping” address was also at a highly secure residential estate in Centurion.

Many insurers require customers to install a tracking device for certain high-risk vehicles such as the Toyota Fortuner or Hilux, Volkswagen Polo, and Ford Ranger.

However, this is the first time MyBroadband has heard of someone claiming multiple working trackers from different companies.

Santam executive head of intermediate business Andrew Coutts confirmed that the insurer had communicated the requirement with intermediaries and a small proportion of its motor policy clients.

“From 15 December 2022, some motor clients will be required to install a vehicle tracking device that meets Santam’s requirements,” Coutts said.

“In some cases, for very high-risk and high-value vehicles, we will also insist on installing a second device.”

Coutts says tracking devices must be functional and have an active tracking service subscription.

“Santum believes that the trend of car theft and robbery has changed significantly in recent months and will provide more relief to affected vehicle owners.”

Coutts said the measures focus on just 4% of Santam’s total insured vehicle base, which accounts for 50% of the value of its theft and hijacking claims.

Coutts said Santam has noticed a significant increase in both the frequency and average value of stolen and hijacked vehicles in recent months.

“While in the past older vehicles with less sophisticated alarm systems were targeted, theft in 2022 shows a significant shift towards newer and more expensive vehicles, with the average value of stolen vehicles increasing by more than 75%,” said Coutts.

“Certain types and brands of vehicles are being targeted, with a shift towards newer models and SUVs, particularly keyless entry vehicles, with an increasing shift towards robbery rather than theft of unoccupied vehicles.”

Toyota South Africa recently announced It will also begin offering free anti-theft security updates to some new models to South African customers to combat tech-savvy criminals.

Its research shows that these criminals are using three new methods to steal cars:

  • can attack — The vehicle’s control area network is accessed using highly sophisticated electronic equipment and then entered into the computer system to start the engine.
  • Fob relaying — High-tech receivers and transmitters are used to remotely read the vehicle’s security key while in the owner’s possession, allowing an attacker to unlock and start the vehicle.
  • Forcible entry and Key Cloning Combo – Using advanced techniques and tools to disable the car alarm system and then clone its security key.

Location, location, location

Coutts says a customer’s geographic location is another factor that factors into the need for a secondary tracker.

He explained that car theft rates vary significantly by geographic area.

In Gauteng and KwaZulu-Natal, it is three times higher than in urban areas of the Western Cape, but theft is also increasing significantly in Mpumalanga and Limpopo.

“This targeted approach results in certain vehicles in high-risk geographic areas being ten times more likely to be stolen than the national average,” Coutts said.

Coutts said Santam chose to make clients aware of the risks and look at options to help reduce the likelihood of theft, rather than increasing premiums to avoid making its cover regime unsustainable.

He added that a secondary vehicle tracking device has significantly improved vehicle recovery rates.

“The installation of a tracking device not only helps in faster vehicle recovery but also results in less damage, quicker repairs and less inconvenience to our clients,” says Coutts.

“Experience with Santam claims indicates that vehicles are often recovered without damage.”

With the installation of the required device, Santam waives the additional payment in case of theft or pilferage and gives a premium discount to the customer.

MyBroadband has also asked several car insurance companies whether their clients need multiple trackers in their cars.

At the time of publication, Hollard, Outsurance and Naked Insurance confirmed that they do not require multiple trackers for any customer or vehicle model.

Hollard added that it is exploring additional security measures that can be taken by policyholders because it has also seen a large increase in car thefts, while the recovery of stolen cars has decreased.




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