South Africa is in the process of transitioning away from 2G and 3G cellular networks, with a full switch-off targeted for the end of December 2027. While the aim is to free up spectrum for faster and more efficient 4G and 5G services, there are unintended consequences that consumers may not have considered – especially when it comes to effective operation of your home security systems and vehicle tracking devices.

Thabo Twalo, Chief Underwriting Officer at Santam Broker Solutions, warns that the changes could have serious implications for policyholders. “Many of the tracking devices installed in cars or used in alarm systems still rely on older 2G or 3G networks to transmit data. As more cell towers supporting these networks are being taken offline – and some already have been – the risk is that these systems may stop working entirely, often without the user realising it.”

“Tracking and alarm systems are a vital deterrent in a country where theft, hijackings and house breakings are a major challenge. A faulty or outdated device is not just an inconvenience but a genuine vulnerability,” says Twalo.

Although most security companies and tracking providers have adopted newer technologies, many older systems are still in use because they were installed years ago and have never been upgraded. Many vehicles and house alarms in South African communities may still be fitted with devices that utilises outdated networks. 

Adding to the complexity is the fact that many tracking and alarm installations go unchecked after installation. “It is good practice to call your tracking device or alarm company regularly, to test if the device is still in good working condition,” Twalo notes. “Just as you conduct annual personal financial reviews—such as checking whether your insurance coverage is still adequate—you should take the same proactive approach with your tracking devices and alarm systems.”

Faulty or non-operational tracking and alarm systems can create challenges for both insurers and policyholders. “Our policies do require that tracking devices and alarm systems are in working order,” explains Twalo. “Santam has negotiated preferential rates with certain service providers for clients that have a need vehicle tracking devices”. 

Santam has been working with security service providers to highlight the issue and encourage proactive device upgrades. However, Twalo emphasises the responsibility ultimately lies with the consumer as the contractual relationship is between the consumer and the service provider. “Policyholders need to confirm which network their tracking device or home alarm uses. If it’s reliant on 2G or 3G, now is the time to act.”

There are several steps consumers can take:

• If you have a tracking device, contact your service provider to confirm which network it utilises and whether it requires an upgrade.
• Ensure your contact details are up to date so you can be notified of required changes.
• If you’re installing a new system, insist on a future-proofed solution that support alternative network connections such as 4G, 5G, RF etc. 

With network providers accelerating the decommissioning of older technology, the timeline is shorter than many think. “This isn’t a problem to put off for 2028; it’s already in progress, and policyholders must be proactive to stay protected,” concludes Twalo.