Anti hijack insurance

There is more than enough reason for getting anti hijack insurance in South Africa, especially when a person considers that more than half a million stolen or carjacked vehicles are on the South African roads.

Even more concerning is the fact that around 65% of those vehicles were not insured at the time of the carjacking or theft. This means the owners faced severe financial burdens and loss because of crime. Rather than saying: “I don’t need anti hijack insurance” it is better to prevent, prepare, and have a contingency plan in place.

In many instances, these vehicles were the only transport for a family, which means their means for getting to work, conducting business, and transporting their children were robbed from them. If these cars were covered, their owners would have been able to obtain compensation for expenses associated with the carjackings, including medical costs.

People have the perception that only new cars are at risk, when in fact, the average age of carjacked or stolen vehicles are around 9 years. This explains why so many of the carjacked vehicles are not insured. Even if anti hijack insurance seems like a burden, when left stranded without a vehicle, for which you are still paying because of an incident, is a much larger financial burden.

What should an anti hijack insurance policy cover?

It should at least cover you and your passengers, the cost of replacement or repairs, windscreen damage, medical costs, and accommodation expenses as a result of the incident.

Redisure provides the best solution

Redisure offers a comprehensive anti hijack insurance cover to protect clients against financial burdens caused by carjackings. This includes cover for:

• Replacement costs for keys and broken locks.
• Windscreen repair and replacement cots.
• Replacement expenses of the vehicle.
• Repair costs as a result of damage to the vehicle.
• Accommodation expenses when you are stranded between two towns as a result of the incident.
• Medical costs for injuries sustained if an accident occurs during the incident.
• Liability to third parties and or their property as the result of an accident.
• Liability as the result of carrying unauthorized passengers.

Credit shortfall

In addition, the Redisure Comprehensive Cover also has the option of gap cover, which is an essential part of any anti hijack insurance. Without this type of cover, you have the additional burden of paying the outstanding amount owed on the vehicle when the vehicle is lost or damaged to the extent that it cannot be repaired. After all the trauma of a carjacking, you are without your vehicle and then still have to pay for it, meaning you will also not have the finances to buy another vehicle.

To prevent this from happening to you, make sure you have gap cover included in you anti hijack insurance. In this way, the credit shortfall is covered through your policy with Redisure and you don’t face additional burdens after an unfortunate mishap or crime incident.

How easy is it to obtain comprehensive cover?Redisure has taken the hassle out of vehicle policies. We offer an online facility where you can apply or you can simply call our call centre where competent and friendly consultants will run you through the process. To get the best quote possible, it is recommended you keep the following at hand:

Vehicle registration number

• The manufacturing year of the vehicle and the specific model.
• The postal code for the area where you live.
• Years that you have not claimed to qualify you for a no-claims bonus.
• Note where you normally park the vehicle during the day and evening.
• Information on the annual distance you estimate you will drive with the specific vehicle.
• Information about claims made during the past three years.
• Information about nominated drivers such as driver’s license, when the licenses were issued, code, address, and occupation of the drivers.
• Note about the purpose of the vehicle, for instance, private or business use.
• Decide on the cover required such as Third Party Only, or Third Party, Fire and Theft or our Comprehensive Cover.
• Information about any related convictions during the past three years.
• Contact us or complete the online quote request form to obtain the best, comprehensive and most affordable anti hijack insurance to protect you against liabilities and burdens associated with the unfortunate event of a carjacking.