Speed Cameras, Courier Fines and Your HOA: What the Law Says Inside South Africa’s Security Estates

The debate around estate fines has resurfaced after Midstream Estate in Midrand’s residents raised concerns over newly installed speed-enforcement cameras and penalties of up to R4,000 — even when the speeding driver was a courier delivering a parcel.

The incident has reignited a national question: can security estates legally camera-enforce speed limits and hold residents liable for their visitors’ traffic violations?

According to Adriaan Grove, Founder and CEO of MyProperty, the answer lies in understanding how estate governance works.

“Many residents assume that public-road traffic laws apply inside estates, but the legal position is different. Once you enter private roads, estate rules govern behaviour — and those rules form part of a binding contract,” he says.

What the Law Says: SCA Confirms Estates’ Enforcement Powers

A 2019 Supreme Court of Appeal ruling in Mount Edgecombe Country Club Estate Management Association v Singh provides the legal backbone for today’s enforcement systems.

The court held that:

• Estate roads are private, not public roads.

• The National Road Traffic Act (NRTA) and AARTO do not apply inside estates.

• HOA or estate rules are contractual and enforceable, including speed limits and penalties.

• Residents can be held liable for their invitees, even when the resident was not driving.

Grove says the ruling remains the key benchmark. “The SCA made it clear that estates may enforce conduct rules, apply penalties, and recover them through levy accounts — as long as those powers are written into the estate’s governance documents,” he notes.Legal firms and HOA consultants have since relied heavily on the judgment to validate camera enforcement and owner liability in estates across the country.

How Major Estates Apply the Rules

Many of South Africa’s largest estates already enforce speed limits and hold residents accountable for their visitors:

• Midstream (Centurion): 30 km/h limit; fixed cameras rolled out in 2025. Penalties recovered via levy accounts.

• Val de Vie / Pearl Valley (Winelands): Published penalty schedules include significant fines for repeat speeding.

• Steyn City (Fourways): 40 km/h internal limits; regular communication stating residents are responsible for service providers.

• Zimbali (KZN): Rules allow penalties to be added to levy accounts; service-provider regulations apply.

• Simbithi (KZN): 40 km/h with visitor compliance required; resident accounts used for penalty recovery.

• Waterfall (Midrand): Enforcement supported by conduct rules filed with CSOS and CIPC.

Across most estates, the principle is the same: if a visitor breaks the rules, the resident absorbs the liability under the estate contract.

Why “Penalties” Matter More Than “Fines”

Technically, estates enforce contractual penalties, not criminal fines. This distinction matters because:

• Penalties must be authorised by the estate’s Memorandum of Incorporation (MOI) or Conduct Rules.

• They may be added to levy accounts and recovered similarly to unpaid levies.

• Residents are entitled to a fair, transparent appeal process.

Grove adds, “Residents should remember that these are not municipal fines — they’re contract terms you agreed to when buying in. The HOA must follow due process, but the contractual framework is solid.”

How Estates Can Avoid Conflict

Experts recommend four governance practices:

1. Clear Authority:  Rules must explicitly set limits, define owner liability for invitees, outline penalties, and explain recovery methods. Updated rules should be filed with CIPC and CSOS.

2. Transparent Schedules: Penalty tables should be public, accessible, and consistently applied.

3. Fair Process: Large penalties should include notice, a chance to respond, and an appeal mechanism.

4. Proper Signage and Communication: Speed limits and visitor responsibilities must be communicated clearly — ideally at access control and via resident newsletters.
   
   

Practical Advice for Residents

• Know Your Rules: Review updated conduct rules and fine schedules — many estates publish them openly.

• Brief Your Couriers: Add a standard note to deliveries warning them of estate speed limits.

• Dispute Correctly: Use the internal dispute process, and if unresolved, escalate to CSOS.

• Understand Liability: If a courier or guest speeds, estates are lawfully entitled to charge you if the rules allow it.
  
  

“Buying into an estate means buying into a contract. Residents have rights, but they also have obligations — and enforcement remains part of the trade-off for controlled, secure living,” Grove concludes.