Car theft is an issue that affects vehicle owners across New Zealand, from the city streets of Auckland to rural towns. With thousands of car thefts reported annually, many of these crimes could have been avoided by taking the right precautions. Fortunately, there are practical steps you can take to secure your car without invalidating your insurance policy. Here's what Assurant wants every Kiwi motorist to know to stay one step ahead of thieves.  

Why Vehicle Security Matters

A significant portion of car thefts in New Zealand are crimes of opportunity. Thieves often target cars that are left unlocked, have valuables visible, or are parked in poorly lit areas. By making your vehicle less attractive to would-be criminals, you can dramatically lower your risk.  

Tips to Prevent Car Theft  

Below are some key reminders as to how you can keep your car safe and maintain your peace of mind. Using a combination of these measures will also help keep theft at bay. 

1. Lock Your Car and Take Your Keys

It might seem obvious, but many stolen cars in New Zealand were left unlocked or had keys inside. Always lock your vehicle when leaving it unattended, even for just a moment, and make sure the windows are all completely shut.  

2. Use a Steering Wheel Lock

A steering wheel lock is a relatively inexpensive yet effective deterrent. Thieves are less likely to target vehicles with visible security devices as they add an extra hassle. There are a number of great options on the market, so do your homework before you buy. We recommend one that is highly visible; is constructed of high-quality materials to resist from sawing; and has an advanced locking mechanism which makes it extremely difficult for thieves to tamper with or remove. 

3. Park Smart

Choose your parking spot wisely. Where possible:

  • Park in well-lit, populated areas. 
  • Use secure parking lots or garages that offer surveillance.
  • Avoid leaving your car in isolated or dimly lit spaces.  

For residential parking: 

  • Use a garage whenever possible. 
  • If you must park outside, position your car close to your home, under lighting or the watchful eye of a security camera. 

4. Remove Valuables

A bag, wallet, or even loose change can be enough to tempt a thief to break in. Keep your car free of visible valuables or hide them securely out of sight (like in the boot or a locked glove compartment).  

5. Install a Car Alarm or Immobiliser 

Modern vehicles often come with built-in alarms and immobilisers, however older models may lack these features. Consider installing an alarm system and/or immobiliser for added protection.

Please do contact Assurant if you want any advice on the best devices to add to your car.  

6. Mark Your Vehicle

Etching your license plate or VIN (Vehicle Identification Number) on windows, mirrors, or other parts of the car makes it harder for thieves to sell your vehicle illegally. This preventive measure also increases the likelihood of recovery.   

7. Fit a GPS tracker

With a GPS tracker hidden in the vehicle, if it’s stolen you’ll likely be able to track it down and recover it. Some need a monthly subscription while with others the only ongoing cost is a pre-paid sim card.

Using a mobile app on your phone connected to the tracker, you can track your vehicle in real-time.

Some trackers even allow you to remotely disable the engine from operating, bringing the vehicle to a stop.  

Stay Safe and Keep Your Car Secure

While no method is entirely foolproof, adopting these steps will reduce your chances of falling victim to car theft. Simple habits like locking your car, parking in safe areas, and using visible deterrents can go a long way in keeping your vehicle safe.  

For all NZ drivers, vigilance is key. Car theft is an ongoing issue, however with proactive prevention, you can protect your vehicle and reduce your chances of experiencing theft yourself.  

You want to ensure that you are comprehensively insured should the worst happen. Assurant’s Full Cover car insurance also has options for 24/7 roadside assistance, windscreen cover and more – all backed up by a specialist Accident Management team who can provide you with a pick-up and delivery service, courtesy car, and quality repairs that are guaranteed for the life of the vehicle.

Check out Assurant’s Car Insurance Policy Wording to learn more about Assurant's Full Cover Car Insurance and don’t hesitate to contact Assurant if you have any questions.

Get an Assurant car insurance quote today, to find out how quick and easy it is to insure your car with Assurant.