Protect your wheels this holiday

WHILE December is a time to relax, especially after one of the craziest years in living memory, don't let your guard down too far. With all the distractions, it's the perfect time for criminals to take advantage of you.

In South Africa, there's no particular season for car theft. But when our minds wander, and we park our cars on pavements, and leave valuables in full view, we're asking for trouble.

Some of the things we can do to protect ourselves:

Hold onto your insurance: According to TransUnion's latest Financial Hardship Study, which measures the impact of the Covid-19 pandemic on consumers, nearly 8 out of 10 (77%) South Africans are still feeling its effect on their finances. Whatever you do though, don't cut your insurance just to make ends meet.

Rather look to make sure you are getting the most competitive quote. Get the FirstCheck report on your car to ascertain its value then talk to your insurer to make sure you get every saving you can. Shop around if you have to.The good news is that there are some really innovative insurance offerings out there right now.

Install a tracking and recovery device: Monthly premiums for tracking services start at around R80 a month – and if you look at the value of the asset, it's well worth the cost. In fact, you'd probably be able to recoup the cost of the tracking service through insurance savings.

Use some common sense: You know what they say about common sense: it's not that common. But especially during the holiday season, it pays to be vigilant.

When you're parking in a public place, always, manually check your doors are locked – the car jammers are out in force again.

Be careful where you park: This time of the year is notorious for big family gatherings which means lots of cars parked on the pavement. Be alert. Check you're not being followed home. Hijackers often strike in your own driveway. If you think you're being followed, keep driving.