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Car window damage after a smash-and-grab

What does car insurance cover in a smash-and-grab?

Car insurance plays an important role in protecting you financially against various risks on the road, including smash-and-grab situations. Yet, many policyholders wonder if their coverage extends to their portable possessions. In this article, we delve into the nuances of car insurance for portable possessions so you can make informed decisions when it comes to safeguarding your personal possessions. ¹

Defining portable possessions

Ask yourself what’s most valuable to you and needs insurance coverage? The type of portable possession and their significance during travel, including electronic gadgets, personal accessories, and other valuable items need to be considered for insurance purposes. ¹

Coverage scope for personal belongings

As a motorist, you need to understand the typical coverage provided by car insurance policies for personal belongings within the car, looking at variations based on policy type and terms. ¹

Reviewing policy documents

It is important to carefully review insurance policy terms and conditions to understand coverage limits, deductibles, and exclusions related to portable possessions. ¹

Comprehensive coverage

Do you have comprehensive car insurance? Comprehensive car insurance coverage protects against various risks such as theft, vandalism, or natural disasters. Therefore, do research as to the extent to which it covers your personal belongings and how you can make this possible. ¹

Personal effects coverage

Consider possible optional add-ons of personal effects coverage if necessary. This benefit protects personal belongings inside the vehicle, allowing for reimbursement for theft, loss, or damage. ¹

Evaluating coverage needs

Its best to determine the value of portable possessions and consider additional coverage for high-value items while being mindful of coverage limitations and exclusions. ¹

Proactive measures for protection

Practical tips for policyholders to safeguard their portable possessions on the road include keeping items out of sight, locking car doors, and using secure storage compartments. ¹

Keep in mind  that it’s important to understand car insurance coverage for portable possessions to ensure comprehensive protection when travelling. By reviewing policy documents, considering additional coverage options, and implementing proactive measures, you can mitigate risks associated with theft, loss, or damage to portable possessions, enhancing their peace of mind. ¹


The purpose of this article is to inform South African car owners about what car insurance can cover when their car is involved in a smash-and-grab. However, it’s important to always do your own research.
Remember to buy car insurance with careful thought and only through a certified financial services provider. Get a quick and easy online quote today.
Contact us today to learn more about getting affordable, comprehensive car insurance with fixed premiums* and a reduce-to-zero excess*. T’s and C’s apply.



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