Fanus Coetzee, head of Santam’s adjustment services, offered some practical advice on how individuals and communities can be more aware of their personal safety and how to make sure they take necessary steps to safeguard their property and possessions.
The statistics indicated that there had been an 8.5 percent increase in robberies with aggravating circumstances. Santam said that their claims data collaborated with this statistic. It showed a 21 percent increase in reported domestic robbery claims (theft by use of force or violence) and a 13 percent increase in reported business robbery claims.
Coetzee said, “There has been an increase in claims reported when it comes to violent and forceful domestic robberies and this is of concern.”
Keeping this in mind, he said there were measures homeowners could take to keep themselves safe:
- Be alert and always be aware of what is going in your environment and in your neighbourhood
- Make sure your doors and windows are secured before leaving your house
- Make sure there is sufficient lighting at night, particularly at access or vulnerable points on your property
- Look out for evidence of suspicious activity
- Make sure your possessions and valuables are properly insured
- Join your Neighbourhood Watch.
Coetzee also had tips on what to do to keep vehicles safe:
- Car jamming has become the second most commonly used method in the theft of vehicles
- Do not walk away from your vehicle unless you have heard the buzz or a beep of the remote locking mechanism and before you have physically checked that all doors and your boot are indeed locked
- Fit your car with an immobiliser, alarm or gear-lock. Use more than one anti-theft device to secure your vehicle
- Never leave valuables in plain sight or on the seats of your vehicle
- Always be aware of your surroundings and always park your car in safe and well-lit areas – particularly when going out after dark.
When it comes to insurance cover for valuables, remember the following:
- Make sure your possessions and valuables are properly insured (items of high value should be specified in your policy)
- Read the terms and conditions of your policy so you are aware of what is insured and what is not
- Remember to add any recently acquired assets or purchased valuables to your policy
- Ensure you have met the conditions in your policy. Your claim will be rejected if your contract requires burglar bars and you don’t have them, your house alarm wasn’t set or your car was stolen, but it did not have an immobiliser
- Notify your insurer or broker of any changes to your personal details or change of address.
Santam further encouraged consumers to always check with their insurer or broker that their policy contracts are up to date and that they are covered accordingly for all their requirements.
Details: Santam personal insurance 0860 444 444.
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