The Real Automobile Finance and Insurance Consulting Company (Pty) Ltd ("Traficc")
Authorised Financial Services Provider FSP # 25955
Underwritten by Guardrisk Insurance Company Limited · FSP#75
SafeGuard Information Tool
Protection against smash & grab, theft & hijacking
A stand-alone policy that covers the real financial costs of vehicle crime that your comprehensive insurer doesn't always pick up.
24-month cover
R3 995
once-off incl. VAT
48-month cover
R6 995
once-off incl. VAT
Up to R200 000 total cover·Excess cover up to R15 000·(Accidental) Death Benefit up to R100 000·Medical Expenses up to R100 000 as a direct consequence of the Smash and Grab, or Hi-jacking of the Vehicle
Green: Covers the amount within your underlying policy excess, up to the benefit limit.
Orange: Covers the excess gap, or the full item cost if your underlying policy doesn't cover it — up to the benefit limit.
Yellow: Standalone benefit paid up to the item cost or benefit limit — regardless of your underlying policy.
Blue: Loyalty bonus — paid up to the benefit limits where applicable.
If your vehicle is stolen or hijacked
Recovered
🚗
Interior damage
R5 000
🚘
Exterior damage
R5 000
🔧
Mechanical damage
R6 000
🪟
Replacement window glass
R4 000
🎬
Replacement window film
R3 000
✨
Interior & exterior valet
R2 000
🧹
Crime scene clean-up
R10 000
Not recovered
🛡️
Underlying insurance excess cover
R15 000
📡
Tracking & recovery loyalty bonus
Up to R18 000
3% of sum insured · requires active tracking device
If you're involved in a smash and grab
🚗
Interior damage
R5 000
🚘
Exterior damage
R5 000
🪟
Replacement window glass
R4 000
🎬
Replacement window film
R3 000
🎨
Paintwork, beadings & rubber
R5 000
✨
Interior & exterior valet
R2 000
🧹
Crime scene clean-up
R10 000
Additional benefits (only claimable if a valid claim has been lodged against the benefit sections noted above)
🚐
Car hire
R3 500
📱
Cell phone
R3 000
💻
Personal electronic devices
R5 000
👜
Personal luggage & handbag
R2 000
🪪
Personal documents
R1 000
🧠
Trauma counselling
R2 000
🥋
Anti-hijack training
R2 000
🏥
Medical expensesi×Medical expenses as a direct consequence of the Smash and Grab, or Hi-jacking of the Vehicle. Guardrisk will pay, up to an amount of R100 000, for medical expenses not recoverable from any medical or health scheme which are necessarily incurred (including costs and expenses incurred in emergency transportation or freeing of You, your immediate family or your appointed driver if trapped or bringing such person to a place of safety) subject to the benefit's Maximum Liability of R100 000 in respect of any person or all persons in the Vehicle arising from any one incident.
R100 000
❤️
Death benefiti×Death Benefit as a direct consequence of the Smash and Grab or Hi-jacking of the Vehicle. In the event of Your, your immediate family or your appointed driver's death, Guardrisk will pay up to an amount of R100 000 (to cover any current or future costs and expenses, including any potential loss of earnings) to a surviving spouse or to Your or your appointed driver's estate. The benefit is limited to the number of allowed seat belts in respect of the Vehicle, R30 000 per individual in respect of minors under the age of 14, R10 000 per individual in respect of minors under the age of 6 and the benefit's Maximum Liability of R100 000 (in respect of any person or all persons in the Vehicle arising from any one incident). This Policy will automatically be cancelled on Your death.
R100 000
🎬
Film for replacement vehicle
R3 000
Tap a scenario to see how SafeGuard responds to real incidents and what you could potentially recover. Amounts shown are the sum of applicable benefit limits.
💥
Smash and grab at a traffic light
Window smashed while driving. Laptop and phone taken from the passenger seat.
+
Potential recovery: up to R35 000
Window glass replacementR4 000
Exterior damageR5 000
Cell phoneR3 000
Laptop (personal electronic device)R5 000
Window film replacementR3 000
ValetR2 000
Crime scene clean-upR10 000
Personal documents (ID, Drivers, etc.)R1 000
Trauma counsellingR2 000
🚨
Vehicle hijacked — not recovered
Hijacked at gunpoint. Insurer writes the vehicle off as unrecovered total loss.
+
Potential recovery: up to a maximum policy limit of R200 000
Underlying insurance excess coverUp to R15 000
Cell phoneR3 000
Personal electronic devicesR5 000
Personal luggage / handbagR2 000
Car hireR3 500
Personal documents (ID, Drivers, etc.)R1 000
Trauma counsellingR2 000
Medical expenses (if injured)i×Medical expenses as a direct consequence of the Smash and Grab, or Hi-jacking of the Vehicle. Guardrisk will pay, up to an amount of R100 000, for medical expenses not recoverable from any medical or health scheme which are necessarily incurred (including costs and expenses incurred in emergency transportation or freeing of You, your immediate family or your appointed driver if trapped or bringing such person to a place of safety) subject to the benefit's Maximum Liability of R100 000 in respect of any person or all persons in the Vehicle arising from any one incident.Up to R100 000
Death benefit (if applicable)i×Death Benefit as a direct consequence of the Smash and Grab or Hi-jacking of the Vehicle. In the event of Your, your immediate family or your appointed driver's death, Guardrisk will pay up to an amount of R100 000 (to cover any current or future costs and expenses, including any potential loss of earnings) to a surviving spouse or to Your or your appointed driver's estate. The benefit is limited to the number of allowed seat belts in respect of the Vehicle, R30 000 per individual in respect of minors under the age of 14, R10 000 per individual in respect of minors under the age of 6 and the benefit's Maximum Liability of R100 000 (in respect of any person or all persons in the Vehicle arising from any one incident). This Policy will automatically be cancelled on Your death.Up to R100 000
Vehicle found with interior damage, broken windows, and mechanical issues. Underlying insurer pays out for the vehicle damage minus the excess.
+
Potential recovery: up to R35 000
Interior damageR5 000
Exterior damageR5 000
Replacement window glassR4 000
Mechanical damageR6 000
Replacement window filmR3 000
Interior & exterior valetR2 000
Crime scene clean-upR10 000
All scenario amounts represent benefit limits and assume a valid claim is lodged within the required timeframes. Actual claims are subject to the policy terms and conditions.
SafeGuard is available on most private and light commercial vehicles, subject to the following conditions.
✓ Eligible vehicles
Private light passenger vehicles
4x4s and minibuses (≤3 500 kg GVM)
Light delivery vehicles (≤4 500 kg GVM)
Panel vans (≤4 500 kg GVM)
Comprehensively insured with a registered South African insurer
Approved window film fitted at an authorised centre
✗ Not eligible
Taxis or e-hailing vehicles (Uber, Bolt, etc.)
Cash-in-transit vehicles
Hire vehicles
Rebuilt or modified vehicles
Motorsport or competition vehicles
Vehicles without underlying comprehensive insurance
Vehicles not fitted with authorised safety film
Policy conditions
Cover starts
Date of policy purchase
Cooling-off period
14 days from policy issue
Policy transferable?
Yes — to a new owner of the same vehicle
Coverage area
South Africa only
All claims are handled by Traficc. Here's exactly what to do after an incident.
1
Ensure your safety first
Get yourself and any passengers to a safe location. Call emergency services if anyone is injured.
2
File a SAPS report
Report the incident at your nearest SAPS station and ensure every stolen or damaged item is listed on the case docket. Items not on the SAPS report cannot be included in your claim.
Within 48 hours of the incident
3
Contact the Traficc claims team
Call 0861 872 3422 or email claims@traficc.co.za (Mon–Fri, 08:30–17:00). Have your policy schedule and SAPS case number ready.
Submit within 31 days of the incident
4
Complete the claim form
Traficc will provide you with a claim form and guide you through exactly what supporting documentation is needed for each benefit you're claiming.
5
Loyalty bonus claim
Applicable if your vehicle had an active Vehicle Tracking and Recovery Device, with a registered South African tracking company, at the time of being stolen or hijacked. If your vehicle is not recovered, or is recovered but written off, Guardrisk pays an amount towards a replacement vehicle of your choice from the dealer group or dealership noted on your policy.
Must be claimed within 90 days
Claims hotline
0861 872 3422
Alternatively call
021 425 7066
Email
claims@traficc.co.za
Office hours
Mon–Fri · 08:30–17:00
Ask anything about your SafeGuard policy in plain language — cover, eligibility, claims, or exclusions. Answers are based strictly on the SafeGuard policy wording.
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This tool provides general guidance based on the SafeGuard policy wording and does not constitute a claims decision. For an official assessment of any claim, please contact Traficc's claims team.
Cover disclosure: Cover is only provided to you, your immediate family or your authorised driver and for the Vehicle described in the SafeGuard policy schedule.
