WEBVTT - Criminals target homes 

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<v Speaker 1>Right, let's turn to this. Now. It's a worrying story,

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<v Speaker 1>but it's also a story in which maybe collecting of

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<v Speaker 1>some good and useful advice might allay some of those fears,

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<v Speaker 1>because the reality we're just about to talk about is

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<v Speaker 1>indeed out there and present, and it's probably quite a

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<v Speaker 1>good idea that we share this with you. This is

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<v Speaker 1>prompted by the way by story in Business Tech. I

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<v Speaker 1>just want to acknowledge that Malcolm liber has written the piece.

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<v Speaker 1>The headline is or the first paragraph homeowners are being

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<v Speaker 1>worn that repeat break ends are on the rise in

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<v Speaker 1>South Africa, with criminals returning for replaced valuables or things

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<v Speaker 1>they could not steal the first time. And this was

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<v Speaker 1>prompted in turn by something said by my Way Insurance,

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<v Speaker 1>the executive head for Claims and Procurement there Yulon and

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<v Speaker 1>I Do was the person that Malcolm interviewed. Right, let's

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<v Speaker 1>get into this in some more detail, and welcome to

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<v Speaker 1>seven oh two drive Garth to Cleric CEO of the

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<v Speaker 1>Insurance Crime Bureau. Mister de clerk, welcome and thanks very

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<v Speaker 1>much for your time. Is this an established pattern? First

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<v Speaker 1>of all, I mean, what does your data or your

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<v Speaker 1>experience tell you about this that if people know their

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<v Speaker 1>way how they got into the first place. I suppose

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<v Speaker 1>in the first place, I suppose logically they think why

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<v Speaker 1>not do it again.

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<v Speaker 2>Oh, good afternoon, John, and thank you very much for

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<v Speaker 2>the opportunity to talk about this. I think just before

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<v Speaker 2>we start, if I could say, you know, the headline

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<v Speaker 2>should maybe read that there's an increase in house robberies, right,

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<v Speaker 2>not only in return events or return incidents. So you know,

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<v Speaker 2>let's not worry about just I'm going to be burgled twice.

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<v Speaker 2>Let's warn the community that at this present time, because

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<v Speaker 2>of the economic conditions that are presidents in South Africa,

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<v Speaker 2>we have to be careful as residents that we could

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<v Speaker 2>at any time be hit. And so that's the first

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<v Speaker 2>thing going to your point that 'lln made from my way,

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<v Speaker 2>is that we are seeing an increased trend in bad

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<v Speaker 2>actors returning for your goods once they've been replaced by

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<v Speaker 2>the insurance companies. Again, not a new trend. I mean,

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<v Speaker 2>this has been around for years. Guys are pretty clever.

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<v Speaker 2>They've broken into your house successfully the first time, it's

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<v Speaker 2>a bit of a doddle to do it the second time,

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<v Speaker 2>because normally the first thing you do is just fix

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<v Speaker 2>one or two areas and then replace your TV, your

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<v Speaker 2>cell phone, your watchers, et cetera, et cetera. And it's

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<v Speaker 2>not that difficult to get through a light level of security.

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<v Speaker 2>So it is happening, but we have to be careful

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<v Speaker 2>as residents of both repeat and the initial event.

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<v Speaker 1>What does one do though, Because I mean you've already

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<v Speaker 1>taken and knock, there is probably physical There may well

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<v Speaker 1>be physical damage to your property you massively unsettle. There

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<v Speaker 1>may be family members who need at the very least

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<v Speaker 1>support and possibly even counseling. And in the midst of

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<v Speaker 1>all of that, you've got to start thinking to yourself,

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<v Speaker 1>how do we do this differently? And I would have

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<v Speaker 1>thought the range of options are severely constrained either by

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<v Speaker 1>the physical nature of where you live or the state

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<v Speaker 1>of your finances.

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<v Speaker 2>I think it's the state of your finances. You know,

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<v Speaker 2>physical security around your house is certainly not cheap. And

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<v Speaker 2>again you know it's You're quite right. In a return event,

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<v Speaker 2>people are rattled, They are emotionally traumatized. These actors that

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<v Speaker 2>are out there looking to abuse you are not mass people.

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<v Speaker 2>They don't care. They will make use of the fact

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<v Speaker 2>that you are not maybe paying attention and that you

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<v Speaker 2>slightly rattled side advices to people do what you can,

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<v Speaker 2>you know, rather than spend money on increasing your hard

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<v Speaker 2>and security around your house, whether that be paalis ade fence,

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<v Speaker 2>electric fences, beings in the garden that will set off

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<v Speaker 2>before the individuals reach your property. Take a look at

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<v Speaker 2>does your alarm work when lost? Did you test your alarm?

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<v Speaker 2>Do you set your alarm whenever you go out? You know,

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<v Speaker 2>even if you're popping out full load for bread, put

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<v Speaker 2>your alarm on. These people are watching you.

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<v Speaker 1>How do insurance companies regard this phenomenon? I mean, is

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<v Speaker 1>there any consideration for a period of vulnerability that a

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<v Speaker 1>family or individuals or a couple or whoever it is,

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<v Speaker 1>that period of vulnerability after they've been broken into? Or

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<v Speaker 1>is it barely assessed weld here's the second burglary end

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<v Speaker 1>of story.

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<v Speaker 2>So I can't really speak on behalf of the insurers, John,

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<v Speaker 2>because there are so many of them in South Africa

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<v Speaker 2>right However, my experience with the insurance industry has always

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<v Speaker 2>been one of they are there to hold, They are

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<v Speaker 2>there to restore restore individuals to the position that they

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<v Speaker 2>were in before an event. So whether it's burglary number

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<v Speaker 2>one or burglary number two, they do try and help

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<v Speaker 2>you through the event and help you to retain a

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<v Speaker 2>regain a position that you were in before. But how

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<v Speaker 2>do you regain your level of comfort? You know, your

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<v Speaker 2>your kingdom has been invaded? Yes, And unfortunately insurers are

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<v Speaker 2>not psychologists. You know, it's very difficult to give that

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<v Speaker 2>person their comfort level back once an event has ecupped.

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<v Speaker 1>Let's look at some other trends while we have you that.

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<v Speaker 1>If that's okay, god declark. I mean, one of the

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<v Speaker 1>things that I've always wondered about when you see a

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<v Speaker 1>dip in burglary numbers in the crime stats, whether that's

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<v Speaker 1>a reflection of a reduction in that crime or a

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<v Speaker 1>reduction in the levels of the population who could afford insurance?

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<v Speaker 1>Do you have any insight into that? Because I would

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<v Speaker 1>have thought, with the best will in the world, given

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<v Speaker 1>the financial pressures so many South Africans are under insurance,

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<v Speaker 1>might be one of the things that bites the dust.

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<v Speaker 2>Correct And I think John, you've hit on a very

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<v Speaker 2>good point. You know, one of my favorite stories that

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<v Speaker 2>I hear from people is how their cell phones were

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<v Speaker 2>snatched when they're looking at their social media standing outside

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<v Speaker 2>the restaurant waiting for their takeaway pizza. I reckon only

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<v Speaker 2>a small percentage of those type of events handbag snatching,

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<v Speaker 2>cell phone snatching, laptop snatching are actually reported because of

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<v Speaker 2>the underinsured population. You know, insurance is expensive, and as

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<v Speaker 2>you just said, in terms of economic pressure, one of

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<v Speaker 2>the areas people will cut back on is the insurance

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<v Speaker 2>because you know, I feel safe and I'm not going

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<v Speaker 2>to let myself and be stolen while atop is stolen,

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<v Speaker 2>et cetera. So is there an underreporting of events? I

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<v Speaker 2>would say definitely yes. What percentage of South Africa is ensured?

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<v Speaker 2>Never too sure, but I know that only about thirty

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<v Speaker 2>percent of the car park of South Africa is ensured,

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<v Speaker 2>So thirty thirty five percent of the vehicles that you

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<v Speaker 2>see on the road I enshured. Is that correlated to

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<v Speaker 2>house insurance personal insurance? I really don't know.

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<v Speaker 1>John, Yeah, thank you very much. Garth de Clerk joining

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<v Speaker 1>us on seven two Drive. He is the CEO of

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<v Speaker 1>the Insurance Crime Bureau. Perhaps you've had that experience directly

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<v Speaker 1>yourself where you had a burglary and then people came

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<v Speaker 1>back again. It certainly happened to me once, but is

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<v Speaker 1>this a common pattern? Insurance and others are out there

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<v Speaker 1>warning people that you need to at least the very

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<v Speaker 1>least assume that this could be a possibility. Give us

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<v Speaker 1>a call on that on O double one eight eight three,

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<v Speaker 1>O seven O two and O seven two seven O

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<v Speaker 1>two one seven O two