Car Insurance Guide

Does car insurance cover hijacking?

Written by Chloe Adams Managing Editor Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

Does car insurance cover hijacking?

Yes - comprehensive and third-party fire & theft cover both pay out if your car is hijacked or stolen, up to its insured value. Third-party only cover does not. Because hijacking is a major risk in South Africa, most insurers require an approved tracking device, and a claim can be affected if the tracker wasn't fitted, wasn't working, or security conditions weren't met.

Key takeaways

  • Comprehensive and third-party fire & theft cover hijacking and theft.
  • Third-party only cover does not pay for the loss of your car.
  • Insurers usually require an approved, working tracking device.
  • Claims hinge on meeting the policy's security conditions.
  • You must report the hijacking to the police and get a case number.

How a hijacking claim works

If your car is hijacked, it's treated as theft: comprehensive and third-party, fire & theft cover pay out the car's insured (retail or market) value, minus your excess, if it isn't recovered. Report the incident to the police immediately and get a case number - the insurer will need it, along with your keys and documents.

Security conditions matter

Given South Africa's hijacking rates, insurers commonly require an approved tracking device and may specify other measures. If the tracker wasn't fitted, wasn't active, or you didn't meet a stated condition, the claim can be reduced or rejected. Keep your tracking subscription current and your paperwork in order.

Frequently asked questions

Is hijacking treated the same as theft?
Yes. For insurance purposes a hijacking is a theft of the vehicle, so comprehensive and third-party fire & theft policies pay out the insured value if the car isn't recovered.
Do I need a tracker to be covered for hijacking?
Most South African insurers require an approved tracking device for cover, especially on higher-risk or higher-value cars. If a required tracker wasn't fitted or working, your claim can be affected.
What should I do immediately after a hijacking?
Get to safety, then report it to the police and your tracking company right away and obtain a case number. Notify your insurer as soon as possible and hand over keys and documents.

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