A double cab from R454,900 undercuts the Hilux by six figures. Here's what that saving actually costs you in insurance.
Compare Landtrek quotes →| Variant | Year | Est. monthly premium |
|---|---|---|
| Landtrek 1.9TD 4Action 4x4 DC (auto) | 2023–2026 | R1,350 — R1,850 |
| Landtrek 1.9TD Allure DC (auto) | 2023–2026 | R1,200 — R1,700 |
| Landtrek 1.9TD Active 4x4 DC (manual) | 2025–2026 | R1,050 — R1,550 |
| Landtrek 1.9TD Professional DC (manual) | 2025–2026 | R900 — R1,350 |
| Landtrek 1.9TD Professional SC (manual) | 2025–2026 | R780 — R1,150 |
Estimates based on a 2025 Peugeot Landtrek 1.9TD Allure double cab, 40-year-old male driver, low risk profile, private use, garage parking. Retail approx. R632,000.
| Insurer | Comprehensive | TPFT | Third Party |
|---|---|---|---|
|
Momentum Insure
Lowest
|
~R1,200 | ~R660 | ~R285 |
| ~R1,275 | ~R700 | ~R305 | |
| ~R1,330 | ~R730 | ~R320 | |
| ~R1,390 | ~R765 | ~R335 | |
| ~R1,440 | ~R790 | ~R345 |
* Estimates only. Your actual premium depends on vehicle year, variant, location, driving history, and cover options. Get quotes to confirm.
The Landtrek carries a 5-year/100,000 km warranty. On a working bakkie, 100,000 km arrives sooner than five years — an extended warranty covers engine, gearbox and electrical failures once you pass that mileage cap.
The Landtrek is the value play in the one-tonne segment. A double cab Professional starts at R454,900 and the flagship 4Action 4x4 tops out at R719,900 — the Kia Tasman range starts where the Landtrek range ends. Every variant uses the same 1.9-litre turbodiesel producing 110 kW and 350 Nm.
That pricing flows straight through to your premium. Insurance on a bakkie is driven primarily by what it costs to replace, and the Landtrek costs materially less to replace than a Hilux, Ranger or Tasman. Expect to pay roughly 25–40% less than the equivalent mainstream double cab.
The premium saving is genuine and it is not something you need to negotiate for — it falls out of the lower sum insured automatically. What the lower premium does not tell you is the repair picture. Peugeot's dealer and panel network in South Africa is smaller than Toyota's or Ford's, and the Landtrek is built on a Chinese platform in partnership with Changan.
In practice this means parts sourcing can take longer than on a Hilux, which lengthens repair turnaround after a claim. It is worth asking each insurer directly how they handle Landtrek repairs, and whether car hire is included and for how long. On a work bakkie, three extra weeks off the road is a bigger cost than the premium difference between insurers.
Single Cab Professional (R388,900) — the cheapest bakkie to insure in this comparison. Manual, rear-wheel drive, 1,210 kg payload, and no infotainment or driver-assistance hardware to replace after a collision.
Double Cab Professional (R454,900) and Active 4x4 (R545,900) — the working trims, both six-speed manual. The Active's 4x4 system adds mechanical complexity and lifts the premium modestly over the Professional.
Allure (R631,900) and 4Action 4x4 (R719,900) — the automatic, higher-specification trims, and the ones bought largely for private use. Higher retail value and more electronics mean the highest premiums in the range, though still below an entry Tasman or Ranger.
The Landtrek benefits from being less desirable to theft syndicates than a Hilux or Ranger, for the same reason it is cheaper to buy: lower resale demand and a thinner parts-stripping market. That helps your premium. It does not make a tracker unnecessary — bakkies as a category remain heavily targeted, and most insurers will still expect one on the higher-value 4x4 variants.
The Professional and Active trims exist to be worked. If the Landtrek carries tools, stock, or livestock feed, or is used on a farm or building site, that use must be declared on the policy. A private-use policy will not pay a claim arising from commercial activity, and this is the most common reason bakkie claims are rejected in South Africa.