Motorists Be Warned: Insurance Might Not Cover Remote Jamming Theft

Cars | Biggy

Car remote jamming has become as much a part of South Africa as Derek Watts’ face on a Sunday evening.  But, in recent years it’s become extremely prominent – enough to make insurance companies strongly consider whether theft as a result of remote jamming should be covered.

This greatly affects car owners, as the risk of remote jamming is quite high.  Should certain insurance companies choose not to pay out a claim, the results could be devastating for some vehicle owners.

What is Car Remote Jamming?

Essentially, remote jamming is the process that some car thieves use in order to get into cars easier, and is based on the thieves being able to prevent vehicle owners from locking their doors.  Car thieves rely on vehicle owners locking their cars as they are walking away from them, which is why many car parks contain signs warning vehicle owners to check their doors after they lock them.

Given that many people still don’t check their doors after locking their cars, criminals have an easy time finding targets, which is the hard part.  After a suitable victim, all car jammers need is a cheap gate remote that has a signal strong enough to overpower a car’s remote.

Why Car Jamming is an Insurance Claim Issue

Insurance companies usually require evidence of theft before paying out a claim.  The problem with car jamming comes in the fact that the process simply leaves the doors of a car unlocked and criminals can simply walk up to the car and take whatever they want.  There are never signs of forced entry, which is a big problem for insurance companies.

Industry insiders have said that claims without noticeable forced entry are usually denied by insurance companies.  Insurers need proof, which is simply not there in the case of remote jamming.  Video proof can help, but this depends on the vehicle being parked within view of a security camera, which is not always the case.

How to Prevent Car Remote Jamming

In its simplest form, car remote jamming works through a remote that is on the same frequency as a car remote blocking that remote’s signal.  This leaves the car unlocked and vulnerable.  In such cases, simply checking that the car is actually locked after locking it with a remote is the best possible preventative measure against remote jamming.

The risk of having a claim denied is too high for motorists, especially with the threat of remote jamming being so high.  Drivers thus owe it to themselves to check their cars each and every time they leave them.

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