2 days ago
4 insurance tips to protect your vehicle from hijacking and car theft
Road safety is of an utmost concern for South Africans, especially with the high rates of vehicle theft and carjackings.
While recent SAPS reports show carjackings have decreased by 15 percent, that's still a whopping 4 533 incidents reported just between January and March 2025, making it about 50 cars hijacked a day.
Everyday South Africans are placing crime like burglary, mugging and hijacking as one of their top risks, as seen in surveys like Santam's 2025 Insurance Barometer.
'It's encouraging to see the numbers trending down, but hijacking and theft are still far too common,' says Atang Matebesi, CEO of Santam Client Solutions.
'What's important is that we're now seeing what works, particularly when it comes to proactive interventions like enhanced tracking systems in high-risk vehicles.'
Here are a few key takeaways Atang believes every vehicle owner should keep in mind:
1. Hijackings are replacing traditional theft
According to Tracker, criminals are increasingly choosing hijackings over theft because modern vehicles are harder to steal when parked. Atang highlights that hijacking gives criminals immediate access to the vehicle and its contents without having to bypass sophisticated ignition and security systems.
This shift means that owners need to be more vigilant when entering or exiting vehicles, especially in driveways, traffic queues and poorly lit areas.
2. Comprehensive insurance and affordable alternatives
With hijackings and vehicle theft still an everyday reality, comprehensive vehicle insurance has become more critical than ever. 'It's not just about replacing the car,' Atang explains.
'It's about protecting yourself financially against the ripple effects of a loss. It all adds up, from car hire costs and excess payments to potential debt obligations if the vehicle is financed,' he says.
3. Install more than one tracking device can lower insurance premiums
Insurance claims data show a noticeable decrease in hijacking and theft claims for vehicles fitted with two tracking systems. With two devices, the chance of vehicle recovery by tracking companies' increases, if one device is tempered with by hijackers the second device may still be functioning.
'These underwriting interventions are making a measurable difference,' Atang shares.
'Fitting a dual tracking system doesn't guarantee your vehicle won't be targeted, but it significantly increases the chances of recovery. A win for everyone.'
4. Extra layers of protection go a long way
Insurers and security providers are constantly evolving their offerings to stay ahead of criminals. AI-powered dashcams, cargo door sensors and panic buttons are great ideas for business vehicles.
For personal cars – along with installing multiple tracking devices – Atang says it's worth investing in early warning alerts and air-tags and parking in well-lit, secure locations (especially overnight) are good first steps to take.
'Insurance is just one part of the equation, prevention and recovery should be a joint effort between the vehicle owner, the insurer and security providers. With smart technology and better awareness, we can keep closing the gap between risk and safety,' says Atang.
