An off-road, 4x4 or SUV vehicle is built for pleasure – that is cross-country drives in the Karoo, off-road in the national parks and Southern Africa's beautiful terrains. However, like any other motor vehicle, you will need some sort of insurance – and that's where 4x4 insurance comes in.
When you decide to take your 4x4 vehicle where it was actually designed to go, make sure you get the off-road or 4x4 insurance that can cover eventualities on the trip. We know that Africa is not a place for the faint-hearted, so you need to put your mind at ease with proper cover.
Off-road vehicles are known for their adventurous journeys, which makes them vulnerable to a host of different risks that normal car insurance doesn’t cater for. One of the biggest risks with respect to off-road adventure, is the overturning of a 4x4 vehicle. That’s why you will need to look at comprehensive Off-road or 4x4 Vehicle Insurance to specifically cover you.
What a standard 4x4 policy should cover:
However, note that most specialist 4x4 insurance cover differs in the Terms & Conditions - make sure you understand it!
- When you cross South African borders - extended territorial cover (take note of the countries listed);
- Unforeseen events;
- Accidental damage; and
- Bringing your car back into South Africa.
What do 4x4 drivers typically get exposed to:
- Political instability or unrest in a country;
- Theft or attempted theft of vehicle or accessories;
- Attacks from wild life; and
- Inappropriate road surfaces or non-existent roads.
Some insurers offer additional options such as covers for vehicles' trailers, motorcycles, caravans and even watercraft used for private and leisure purposes.
DIB Solutions (Pty) Ltd have partnered with reputable underwriters and various insurance companies in order to assist our clients with appropriate Insurance cover – we can therefore also assist clients with tailor-made products (where applicable) at competitive premiums. We provide a professional and personal service, as well as build long-term relationships with our clients. Discuss your individual needs with one of our experts so that we can assist you in making the right decision.