Hijacking is an unfortunate reality on South African roads. With carjackings on the rise, many vehicle owners are worried about the financial implications. So, does your insurance cover hijackings in South Africa?

 

How Common Is Hijacking in South Africa?

According to the South African Police Service (SAPS), carjacking incidents have shown an upward trend in recent years, with thousands of cases reported annually. Criminals often operate in coordinated groups, targeting both private and business vehicles.

 

Where Do Most Hijackings Take Place?

While hijackings can happen anywhere, certain areas are considered high-risk. Hotspots often include:

  • Residential driveways during entry/exit
  • Intersections with high traffic volumes
  • Quiet streets near shopping malls
  • Petrol stations
  • Areas near schools and ATMs.

Urban provinces like Gauteng, KwaZulu-Natal, and the Western Cape typically report the highest numbers of hijackings.

 

Does Car Insurance Cover Hijacking?

If your vehicle is hijacked, most insurers will typically pay out based on the market, retail, or agreed value of the car (depending on your policy). However, it’s essential to read the fine print, as not all policies include hijacking cover by default.

Check that your car insurance includes:

  • Hijacking and theft cover
  • Towing and recovery costs
  • Temporary transport contribution.

Also, check whether personal items inside the vehicle are covered. dotsure.co.za offers cover for Portable Possessions as an optional cover section.

RELATED: CAR INSURANCE: WHAT’S COVERED?

 

How Do Insurance Companies Pay for Recovered Hijacked Vehicles?

If your car is recovered after a hijacking, your insurer will assess the vehicle for damage and decide on the next steps. Depending on the condition:

  • If the vehicle is repairable, the insurer may pay for repairs and return the car to you.
  • If the vehicle is written off, the insurer will pay out according to your policy terms.
  • If major parts are missing, such as the engine or transmission, this may influence the payout value.

In either case, you’ll need a police case number and a detailed report for the claim process to begin.

 

What Are the Safety Tips for Avoiding a Hijacking?

Prevention is essential when it comes to hijackings. Here are some practical tips:

  • Be aware of your surroundings, especially when entering or leaving your driveway.
  • Avoid distractions such as using mobile phones while driving.
  • Leave enough space between you and the car in front to allow for a quick getaway.
  • Drive with doors locked and windows rolled up.
  • Avoid routine travel patterns. Switch your routes and times.
  • Be extra cautious at intersections and stop streets.
  • Avoid leaving valuable items visible (on cars seats or consoles).

 

Protect What Moves You 

Life is unpredictable, but the right insurance can give you peace of mind. At dotsure.co.za, we offer comprehensive car insurance that includes hijacking cover as a standard benefit (subject to Ts & Cs), along with flexible excess options and fast claims. We also offer business insurance that protects your business vehicles, including theft, hijacking, and accidental damage.

Contact us or quote online today!