Naked Insurance Tracker Fitment Certificate: The Paper Behind the Cover
On a Naked policy the fitment certificate is the document that turns an installed tracker into a met schedule condition. True to Naked's app-only model, it is uploaded straight into the app and reconciled against the policy without a phone call or a broker in between.
This guide takes the Naked angle: what a valid certificate contains, how the app's structured intake works, the inception window, and how the document survives reissues and car changes.
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Get my quotesWhat the certificate evidences
A tracker named on a Naked schedule is a tracker in theory; the certificate is the evidence the device is actually fitted to the insured car, by an accredited installer, on a known date.
At claim stage Naked traces compliance back through this one artefact - the audit trail in printable form.
Issued at the bay, by the installer
The tracker provider's installer issues the certificate at fitment, not Naked. The major South African providers use a broadly standard form.
Take it before you leave the install bay; lost-in-transit is more common than it should be, and Naked cannot generate one.
The fields that make it valid
A claim-ready certificate names the policyholder, the car by registration and VIN, the device by serial number, and the install date, with the installer's accreditation reference and company details.
Sales invoices, payment confirmations and portal screenshots are supporting evidence, not substitutes.
Structured upload in the app
Naked takes the certificate through a structured in-app upload against the policy, and the compliance position updates on reconciliation. Filing it is what makes the security condition demonstrably met.
An unfiled certificate is, at claim stage, an unmet condition - so complete the upload inside the short window the schedule allows after inception.
Reissues and vehicle swaps
Lose it and the provider reissues from its database, usually within a working day, at the same weight; upload the reissue and confirm the record.
A car change generates a new certificate for the new registration and VIN, even with the device moved across; the app handles the new intake as a routine variation.
Frequently asked questions
What is a Naked tracker fitment certificate?
The installer-issued proof your approved tracker is fitted to the insured car, evidencing the schedule's security condition. It is uploaded in the Naked app.
Who issues it?
The tracker provider's installer at fitment, not Naked. Take it before leaving the bay; Naked cannot generate one.
How do I submit it to Naked?
Through the app's structured upload against the policy. Filing it is what makes the security condition demonstrably met.
What if I lose it?
The provider reissues from its database, usually within a working day, at the same weight. Upload the reissue in the app.
Do I need a new one if I change cars?
Yes - a new certificate for the new registration and VIN, even if the device moves across. The app handles the new intake as a routine variation.
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