Important info: You will not be covered for theft because of car jamming
VERY IMPORTANT INFORMATION REGARDING THEFT COVER
As Salaam U Alaikum
It is vital to understand that your Contents and Vehicle’s theft cover is dependent on there being physical or violent entry to your vehicle, home or business. Without a physical entry (such as window being broken) or violent action or threat (such as threat to your life with a firearm) theft under your Takafol policy (or any other insurer’s policy for that matter) will not cover you.
This would also apply to theft from your home or business, ie, your alarm must be kept activated when the premises are not occupied, even for a short while.
Please read the article below and ensure that you always physically check that your vehicle is locked, all your valuables are kept locked in your boot and the alarm system is activated. For your home or business premises also physically ensure you have locked it and that your alarm has been activated.
If the above is in order and you comply with these requirements, then it would make your claims fairly straight forward and easy in the event of a theft.
We have attached an article below to make you aware of new methods currently being used by criminals. Please read it to understand and ensure that you do not become a victim.
Spike in car jamming in Johannesburg
2012-01-25 – from News24
Johannesburg – Insurance claims resulting from car jamming incidents in Johannesburg have risen in the past few months, an insurance broker said on Wednesday.
“The number of car jamming incidents in the Johannesburg area has gone up in the past 18 months, and not much can be done to stop the jamming as car remotes are electronic transmitters,” Aon South Africa spokesperson Kate Lellyett said in a statement.
She said exact numbers were not available, but quoted from a newspaper report that 40 cases a week had recently been reported in the Sandton area.
“It’s a challenge to give you a scientific figure as there are a number of insurance products that don’t cover this type of loss, so we would not have total reported claims to check against.
“However, on the policies that do cover it we have seen a marked increase, but because of the number of unreported cases it’s a challenge to quantify total losses as result,” she said.
Car jamming involves blocking car remotes using a household remote because both remotes operate on a 400Mhz frequency. Criminals prevent the locking action of the car from being activated.
Lellyett said the real defence was to mitigate risk by being aware of the practice and personally checking that car doors were locked.
“Make sure you hear the beep of your alarm system and the audible sound of the locking mechanism.
“Physically check your doors and boot… Your valuables should be kept in your boot and out of sight,” she said.
“Jamming is being executed by professional gangs and motorists will need to remain vigilant to prevent falling victim to this scam.”
On Wednesday morning, The Star newspaper reported that of the 40 cases of theft from vehicles reported in Sandton each week, at least 85% were thefts in which jamming took place.
Aon SA said that with the average cost of a laptop at R10 000 and a lady’s handbag at R5 000, the costs were substantial, with losses of around R510 000 a week and more than R2m a month.
Car jamming had significant implications, Lellyett said.
“The reality is that unless there are signs of forcible or violent entry, most insurance policies won’t pay out for claims of theft of valuables from your vehicle.”
Should you have any questions or queries please feel free to contact our office.
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