Car theft in South Africa isn’t just a ‘big city’ problem anymore. It’s happening everywhere, at shopping centres, residential driveways, and even outside schools. We’re not just saying this because it might be true, or heck, because this is South Africa and it must be true.
There’s actual data to back it up in the form of recent SAPS crime stats, which show a steady rise in vehicle theft, especially in metros like Joburg, Cape Town, and Durban.
The question is, with theft on the rise, is your car really safe where you park it? And more importantly… Is your car insurance up to the task?
The cold, hard truth about car theft in SA
Theft is no longer just about high-end SUVs or popular sedans. Criminals are targeting a wide range of cars for different reasons, from selling parts to cloning cars. Look, some hotspots are obvious to even the newest of drivers… We’re talking about unsecured streets, and busy parking lots. But from our own royal claims experts, a lot of thefts are coming from so-called ‘safe’ locations, like gated complexes and office parks.
At King Price, we’ve processed claims for stolen cars taken from:
- Security estates with broken gates.
- School pick-up zones.
- Church parking lots.
- Hospitals and malls.
- Driveways during load-shedding.
Where you park matters. But what matters even more is the kind of cover you have.
Comprehensive cover = peace of mind
In our royal kingdom, the king’s theft and write-off cover, comprehensive car insurance, and third party, fire and theft will cover the risk of theft. That’s it.
The most protection you’ll get, though, is with our royal comprehensive car insurance.
With comprehensive car insurance from King Price, you’re protected against:
- Theft and hi-jacking.
- Smash-and-grabs and break-ins.
- Damage from attempted theft.
- Towing, transport, and replacement rental (depending on your cover level).
We’ll do us, you do you
We’re going to be there for you in so many ways. Starting with a customised policy that covers the risks specific to your car, including where you live, where you park at night and where you park during the day (for the most part), and so much more.
And if something happens, like your car gets stolen, then we’ll handle your claim like the pros that we are.
But even so, there’s a lot you can do from your side. Like making sure your policy info isn’t outdated. If you’ve moved house, changed your work parking, or upgraded your car’s anti-theft devices, let us know.
Remember, accurate details = faster pay-outs and fewer hassles if you need to claim.
And then, there’s also stuff you can do to lower your risk:
- Park in well-lit, secure areas, preferably with cameras.
- Avoid leaving valuables in plain sight.
- Install a tracking system or steering lock if your car is a high-risk model.
- Make sure your complex’s access control actually works.
- Always double-check that your car is locked, especially if you use keyless entry.
Our advice
Ask yourself, if your car was stolen tomorrow, would you be covered? If you’re not 100% sure, now’s the time to check your policy or chat to us about upgrading your cover.
We’re here to protect your ride, wherever it’s parked. WhatsApp 0860 50 50 50 or click here for a quick, commitment-free quote.
FAQs
1. Does third party car insurance cover car theft?
No. Only comprehensive and third party, fire and theft policies offer theft cover. Check your schedule to see which you have.
2. What if my car was stolen from my driveway?
If you have comprehensive cover and your policy details are up to date, then yes, you’re covered.
3. Can I reduce my premium if I install a tracking device?
Yes, having a working tracking system can lower your risk profile and premium.
4. Do I need to tell my insurer if I change where I park?
Absolutely. If you park somewhere different from what’s listed on your policy, it could affect your claim.
5. Does insurance cover attempted theft or break-ins?
Yes. Comprehensive insurance covers both successful and attempted theft, including damage to locks and windows.
