Great post, thank you for sharing your experience.
You are a prime target as a successful white person in SA.
Many people here in the US may not understand as the race situation is totaly different, but SA is in general very racist, with the blacks the most resentful and racist group in modern times.
Whites are a minority making up about 9%, and successful whites are very despised by a large segment of the population (not all the blacks are racist but a significant portion are, especialy bitter about the history of apartheid.)
Right or wrong it is the way it is. You will be hated by many people just by being white there. By being white and successful your chances of being involved in a violent attack are very high.
The OP's vehicle, his attire, and likely his home all tell the criminals he is a valuable target. Knowing he is involved in the insurance business would increase this.
No amount of US political correctness changes this.
South Africa is a rough place. One of the highest crime rates in the world,
second in assaults and murders out of the UN recorded nations.
It is also the
HIV (almost 6 million, and almost 20% of adult population)
and the rape capital of the world, an interesting combination.
http://www.avert.org/subaadults.htm
It has been the rape capital of the devloped world since the 90's, some interesting tidbits from 1999 BBC report:
http://news.bbc.co.uk/2/hi/africa/258446.stm
Gang rape 'fun'
In a related survey conducted among 1,500 schoolchildren in the Soweto township, a quarter of all the boys interviewed said that 'jackrolling' - a South African term for recreational gang rape - was fun.
More than half the interviewees insisted that when a girl says no to sex she really means yes.
Survey of boys now the adult age.
Tourists don't escape gang rapes either, and those that try to help can wind up shot:
http://news.bbc.co.uk/1/hi/england/2490859.stm
Just in case you think anything changed:
http://news.bbc.co.uk/1/hi/world/africa/7072818.stm
Rape is a hobby by many in South Africa and the culture condones it many places.
I could cite many additional statistics, like the UN's or other British studies, but they always mention "gun crime" and have seperate "gun" statistics. Clearly baised in wanting to destroy firearm ownership in most of thier crime related stories. So I won't give them airtime, but south Africa is one of the most dangerous places in the world.
The OP certainly should get his wife her own gun that she can carry.
It is also not uncommon for shots to be fired before words are spoken by criminals in South Africa. Just being armed is only a chance at a good outcome.
South Africa is the most dangerous place that has our modern lifestyle (developed world.)
Yet English is the most common language, spoken by 30% of the population, so feel free to visit.
In light of the situation in South Africa when someone from South Africa comes on and tells thier story dealing with violent criminals I am inclined to take thier story at face value. When they are a highly targeted minority, and thier story implies they are clearly a successful businessman making them a further target... I am inclined to consider it even more likely accurate.
I was a bit amazed at the childish comments of some initialy.
When us Boers were in charge here, we were really conservative. Sadly we were not a real democracy as only a minority had the vote. We decided as a minority to change that and became a true democracy and negotiate a settlement as we were fighting constant war as a result of the unfair situation. Our first democratic president was Nelson Mandela and yes the country moved left and became liberal. Economically we did prosper but for many of us our "change" was fairly radical.
Yes South Africa has gone way downhill since the end of Apartheid.
However it was a necessary step.
9% of the population in charge is certainly major oppression, even if more successful and prosperous.
The ends do not justify the means.
South Africa is the only nation in the world that became a nuclear power, and then destroyed its nuclear capabilities, nuclear weapons, and all traces of the technology.
They did not want the new government to be armed with nuclear weapons, not trusting them to show the restraint of the Boer appartheid government.
Thank you for sharing your story. Be safe, and stay armed. Keep your wife armed too.