How To Prevent Car Theft? Top Tips Including Car Insurance

A man in hoodie and mask holding a flashlight and a lock picker trying to pick the lock of a car.

09 Oct How To Prevent Car Theft? Top Tips Including Car Insurance

Car theft is an unfortunate reality of car ownership and has become more common in New Zealand in recent years. While it’s not entirely possible to avoid becoming a victim of car theft, there are some proactive steps that car owners can take to safeguard their cars. Read on to find our effective tips to deter car thieves and help prevent car theft, along with the instrumental role that car insurance plays in protecting valuable assets in the event of theft.

Tip 1: Secure your car properly

To make it harder for thieves to get into your car and to deter them from attempting a theft, always lock your car and ensure that the windows and sunroof are closed before leaving it unattended. Consider using a steering wheel lock, wheel clamps, or gear lock as an additional layer of security if you plan to leave your car unattended for some time.

Tip 2: Park in a safe and well-lit area

Parking off-street or in a garage is always the safest choice. But if this is not an option, park your car in a well-lit area or in a secure car park – if possible, one with surveillance cameras – as that can significantly reduce the risk of theft. Because thieves prefer to operate under the cover of darkness or seclusion, when your car is parked in a well-lit area or a monitored car park, it becomes a less attractive target.

Tip 3: Don’t leave valuables in plain sight

Leaving valuable items like laptops, smartphones, or bags in plain sight can attract thieves. Always take your belongings with you, and if you have to leave them in the car, store them out of sight or hidden in the boot. The less visible tempting items in your car, the less likely it will catch the attention of potential thieves.

Tip 4: Install an anti-theft system or immobiliser

Investing in a quality anti-theft system can significantly reduce the chance of car theft. Modern car alarms, GPS tracking devices, and immobilisers often deter thieves and help authorities recover your vehicle quickly if it is stolen. Most new cars come factory-fitted with an immobiliser or car alarm, but if this isn’t the case for your car, consider getting one installed. It’s a cost-effective way to protect your car and deter would-be thieves. What’s more, fitting an immobiliser could help reduce your car insurance premiums.

Tip 5: Be cautious with spare keys

Avoid leaving spare keys in obvious places, such as under the car mat or in the dashboard console. Thieves know where to look for spare keys, and once they have them, stealing your car becomes a breeze! Don’t leave the car running or the keys inside while you get out to run an errand, even if it’s just for a few minutes.

Tip 6: Protect valuable assets

Despite taking all preventative measures, car theft is sometimes unavoidable. That’s where car insurance helps. Comprehensive car insurance covers against car theft – as well as accidental damage, fire, vandalism, and storm damage – so you don’t suffer a significant financial loss in the event of car theft. Here’s a closer look at some of the important benefits of car insurance:

  • Financial protection: Comprehensive car insurance provides coverage not only for theft but also for damage caused by natural disasters, vandalism, and accidents. If your car is stolen and not recovered, comprehensive car insurance ensures you’re reimbursed for either its market value or the agreed value specified in your policy schedule, so you’re not out of pocket when it comes to buying a replacement car.
  • Peace of mind: Knowing that you have comprehensive car insurance provides peace of mind, especially when your car is parked in potentially risky areas. It gives you confidence that you’ll get support and compensation in the event of theft or any other covered damage.
  • Rental car provision: Some comprehensive car insurance policies include provision for a rental car, which can be a huge help if you need alternative transport while you wait for your stolen car to be recovered or replaced.

Safeguard the things you value

While no preventative measure can completely guarantee protection against car theft, being vigilant and prepared goes a long way towards reducing the risk of car theft and improving the security of a valuable asset such as a car. To safeguard your valuable assets and provide peace of mind, get in touch with the Insurance Advisers at Max Insurances. Our team are ready to help you find the right NZ insurance cover to fit your budget and lifestyle.

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