May an insurer dictate what tracking company I subscribe to?

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Low Range 4WD
Low Range 4WD
Posts: 121
Joined: Tue Feb 09, 2016 11:32 am
Town: Durbanville
Vehicle: Hilux 3.0 D-4D Xtracab 4x4
Real Name: Greg

Fri Sep 08, 2017 7:07 am

I am insured with TuffStuff. In their policy it states that I am required to be subscribed to CarTrack. I suspect this is because CarTrack offers a non-recovery warrany (which TuffStuff will take). I am not happy with CarTrack, specifically their lack of early-warning capabilities.

My question is:
Is it legal for an insurer to compel clients to subscribe to a particular tracking company?
LR4WD, Lockers, Crawler Gears
LR4WD, Lockers, Crawler Gears
Posts: 1290
Joined: Mon May 07, 2012 12:33 pm
Town: Pretoria
Vehicle: Toyota Hilux Dakar 2.8 GD-6 DC 4X4
Real Name: Marnus
Location: Pretoria Oos

Fri Sep 08, 2017 4:59 pm

It depends on what the contract stipulates and it being a contract is dependent on what the parties agree to. Insist that you want to use another tracking company. They may want to change the premium etc. as it may influence their perceived risk. In terms of the Consumer Protection act they cannot force you to use a specific service provider but they can refuse to insure you i.e contract with you if certain conditions aren't met. If you cannot agree on which tracking company to use there won't be a meeting of the minds and thus no contract.

If you have already signed a contract which specifies a specific tracking company and you install another then they will not cover you in the event of a claim, which may be any claim not only for theft as you will be in breach of contract. Even if the one you choose is better.

Installing a second tracker in addition to the first will not affect the cover provided that it does not interfere with the specified one.
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