Insurance glossary
Panic button
Also known as: personal panic, in-vehicle panic
Quick definition
An optional add-on to vehicle tracking — alerts the recovery network to a personal emergency, regardless of whether the vehicle is moving. Typical cost: R49-R149/month on top of standard tracking. Useful for drivers who travel at night or in higher-risk areas.
Understanding Panic button
Where vehicle tracking is about finding the car, a panic button is about reaching you. Pressing it sends an immediate alert to the tracking provider's control room with your location, triggering an armed-response or escalation protocol regardless of whether the vehicle is moving, stationary or switched off. It answers a personal emergency — a hijacking attempt, a medical crisis, a follow-home — rather than a stolen asset.
In a South African context it earns its keep at the edges of the day: arriving home late, stopping at a quiet intersection, or driving through higher-risk areas where a discreet way to summon help matters. Some units are fixed in the car; others are portable fobs that work near the vehicle.
Unlike a required tracker, a panic button is rarely an insurance condition and seldom moves your premium — it is bought for personal safety rather than for a discount. Weigh the monthly cost against how often you drive in situations where summoning help quickly would matter.
Definitions reviewed by the OneCompare editorial team. OneCompare (Pty) Ltd is an Authorised Financial Services Provider (FSP 55551).
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