Ama go straight to the point.. been a first time car owner. I was really concerned bout the rate of cars been stolen.
So i began to research, not everyone can afford those really costly cars with advance security.. anyways..
Someone on nairaland shared some useful tips.. its been years he did.. so i am resharing what he shared...

BonkoINC:
Ama go straight to the point.. been a first time car owner. I was really concerned bout the rate of cars been stolen.
So i began to research, not everyone can afford those really costly cars with advance security.. anyways..
Someone on nairaland shared some useful tips.. its been years he did.. so i am resharing what he shared...

i dont want to undermine the guy above who is advertising his tracker but lack of knowledge sells every jargorn in the market.
The present day robbers operating in abuja, lagos and portharort are no longer those ogogoro kinda petit thieves, they are real professionals and graduates who have waiting clients in cotonou for those vehicles,
for every car they wish to steal, the car is placed under surveillance for a long time before the hit is done.
In a place like port harcourt due to poor road network, snatching at gun point is not usually the norm but picking it from where u parked it in nite clubs, joints, supermarkets etc.

The tracker today is equally no threat to this set of sophisticated robbers because most trackers are wired to the BB (brain box) of the vehicle.
By default, all the wires coming out from the BB are usually similar with a cellophane strap round it, firmly secured. Because our tracker installers lack ingenuity, they run a new wire different from the ones used in the BB by default thereby making it easy to identify.
This is the bane of car trackers in Nigeria, the thieves call themselves professionals because each is able to identify the position of the BB of the car in his specialty.

Once the car is snatched, they drive a reasonable distance and pull over, the specialist id's the brain box, hand held battery powered drills and screw drivers are their favorite tools, in less than 2 mins, the tracker is useless and the car is gone.

Insurance on the other hand is the most legal fraud in Nigeria, if you are in doubt, visit any high court in ur jurisdiction and ask for their case files, the second highest on the list is insurance claims after land dispute. The big questions any insurance agent need to answer are these;

1 why do we need to go to court to settle our insurance claims even when our premiums are paid regularly?
2 why do we need insurance brokers to mediate between the client and the insurance company if the insurance guys re not unscrupulous? Or do we need brokers to withdraw money from the bank?
3 when you are signing an insurance agreement in Nigeria, do you see the caveat where they say "Natural disasters" are not covered by comprehensive insurance premiums? Did you see the interpretation of Natural disasters? Well, i don't think so till you have an insurance case, if your insured car is parked close to a building that eventually catches fire and it affects your vehicle, most insurance companies classify it as natural disaster, no claim.

4, no insurance company in Nigeria insures ''mob-action'' and in their agreement, there was no interpretation for that in other words, they can call it anything, eg 4 kids playing football on the street is a mob to the insurance guys cos if they burst your wind shield, you are on ur own with ur comprehensive insurance.

5 If boko haram attacks close to ur residence and the shock wave of the explosion affects your car and it is established that the attackers are more than one, insurance calls it "mob action", therefore no claim.

6 thieves without guns are "Mobs" in the Nigerian insurance books so no claim.

When you use a good broker, the insurance will pay not because of you but to maintain the good will and customer base of the broker, even at that, the criteria is still terrible, for a venture that charges between 8 to 10% of your car's worth annually.

From my experience so far, insurance against theft, devaluation of assets to pay lower claims has never been as reassuring as the most sought reprieve.

I will advise every car owner, even with ur tracker, use steel pedal locks and anti theft alarms, there is a hand held battery powered metal cutter that can cut the locks no doubt but it takes time and very noisy, will easily attract attention and difficult to procure in Nigeria.

The other option is engrave, yea people believe that they can pull out the reg. Number of their vehicle, show case it again and sell after using it for a while, well, the bad news .


Original poster - Jpphilips

Link to original post.

https://www.nairaland.com/986925/ever-car-stolen-before-advice/2

This is instructive. Thanks Op

Buy manual Drive Toyota Corolla

BonkoINC:



Insurance on the other hand is the most legal fraud in Nigeria, if you are in doubt, visit any high court in ur jurisdiction and ask for their case files, the second highest on the list is insurance claims after land dispute. The big questions any insurance agent need to answer are these;

1 why do we need to go to court to settle our insurance claims even when our premiums are paid regularly?
2 why do we need insurance brokers to mediate between the client and the insurance company if the insurance guys re not unscrupulous? Or do we need brokers to withdraw money from the bank?
3 when you are signing an insurance agreement in Nigeria, do you see the caveat where they say "Natural disasters" are not covered by comprehensive insurance premiums? Did you see the interpretation of Natural disasters? Well, i don't think so till you have an insurance case, if your insured car is parked close to a building that eventually catches fire and it affects your vehicle, most insurance companies classify it as natural disaster, no claim.

4, no insurance company in Nigeria insures ''mob-action'' and in their agreement, there was no interpretation for that in other words, they can call it anything, eg 4 kids playing football on the street is a mob to the insurance guys cos if they burst your wind shield, you are on ur own with ur comprehensive insurance.

5 If boko haram attacks close to ur residence and the shock wave of the explosion affects your car and it is established that the attackers are more than one, insurance calls it "mob action", therefore no claim.

6 thieves without guns are "Mobs" in the Nigerian insurance books so no claim.

When you use a good broker, the insurance will pay not because of you but to maintain the good will and customer base of the broker, even at that, the criteria is still terrible, for a venture that charges between 8 to 10% of your car's worth annually.

From my experience so far, insurance against theft, devaluation of assets to pay lower claims has never been as reassuring as the most sought reprieve



Original poster - Jpphilips

This is the most incredible write-up I have come across in 2020. So much gibberish all in one place. Waste of education.

naijadrivablog:
Buy manual Drive Toyota Corolla

Till they scoop everything unscrewable in the interior.


Best advice dont buy one.

DelTel:


This is the most incredible write-up I have come across in 2020. So much gibberish all in one place. Waste of education.