We are living in 2020, a year of a broken economy, desperation, and hungry people.It is a time where all drivers should always be conscious of their surroundings while on the road, especially while at robots. We hope by the time you have finished reading this article, you will know why your car insurance is a vital part of your life. You will also know how to protect you and your car from being in a “smash and grab”.
Protect yourself from smash and grabs
We have said it before, and we will say it again. We are living in a time where a broken economy has given rise to hungry people, an increase in homeless people which has resulted in desperate people. Unfortunately, due to these circumstances, we cannot trust anyone who is standing on the side of the road, begging.
Desperate people will do anything to get their hands on a few coins to get that loaf of bread. It just takes one frightening blow to your window and a quick grab of your purse for a perpetrator to feed their bellies. We can never be one hundred per cent prepared. Still, you can take steps to avoid a ‘smash and grab and therefore also avoid having to go through a process of making an insurance claim.”
Leave your vehicle’s windows slightly open by about three centimetres, while driving, to make the glass more supple. This allows your window to absorb the sudden impact of an attempted smash-and-grab.
Street intersections, robots, stop signs or driveways in unprotected places are regarded as smash and grab “hot spots”. Always be on full alert when stationary in your vehicle and avoid being distracted.
If you encounter obstacles such as rocks or tyres, do not get out of your vehicle to remove them – Reverse and drive off in the opposite direction.
- Do not leave any valuables or anything of worth visible to passers-by. By doing so, you are attracting the attention of potential smash-and-grab thugs. Keep your handbags and parcels stored in the boot or under your seat.
- Take note of whenever you see broken glass lying on the road. If the pieces of glass are still scattered across the ground, there is a high chance that a smash-and-grab occurred just before you arrived at that spot
- Always leave a gap between you and the vehicle in front of you. You will have room to escape if anything should happen.
- When approaching a red light, start to slow down well in advance so that the light changes green by the time you reach the intersection.
The above guidelines should be taken seriously. Remember these safety guidelines. You will reduce your risk of a “smash and grab” significantly if you follow the above tips. By following the above advice, you will also reduce your risk of having to apply for an insurance claim.
What if I am involved in a “smash and grab”?
Should you be involved in a “smash and grab”, the best option for you would be to have Comprehensive Cover. Having Comprehensive Cover means it will cover almost everything. This type of insurance is always available to you and specified as a requirement in your vehicle Hire Purchase agreement. Comprehensive cover protects your vehicle against any damage. Whether it’s weather damage, fire, theft or in this case, a “smash & grab”.
To truly understand the benefits, an inclusive list of everyday incidences covered are:
- Own vehicle damage
- Weather Damage
- Fire Damage
- Natural disasters
- Damage to third party
- Vehicle theft or Hijacking
- Overall Fire Damage
- Falling objects
- Third-party Liability Claims
Unfortunately, depending on the insurer, these items still require an excess to be paid. Each insurance company will have different prices related to different scenarios. These excess amounts are there to keep your monthly payment to a minimum. Find out from your broker or your insurance policy the payable sum that will be payable by you.
We hope, by now, you will have a better picture in your mind of how to avoid “smash and grabs”. We also hope that given the current circumstances in South Africa, you will opt for being “Comprehensively Covered”. You will never know that you could be the next victim of a “smash and grab.”