Off-Road Car Cover
Off-road car cover is the name used for specialized car insurance packages for 4×4’s and other off-road cars. These cars have become increasingly popular over recent years and are no longer used just by those wanting to travel off the beaten track. Off-road, or 4×4 cover as some insurance companies call their product, will cover your 4×4 whether you are driving in the city or in remote areas. As it is a specialized car it requires a different insurance product suited to the special needs of the 4×4 owner.
Off-road cover is comprehensive and includes all the benefits that usually form part of a comprehensive car insurance package. It will also include benefits that do not normally form part of other car insurance policies. This insurance will not come cheap, neither does the 4×4.
Apart from accident, theft and third party claims, some of the benefits that are different from other car policies include the following:
- Damage to the vehicle is covered at retail value plus accessories (accessories usually at an additional charge.)
- Off-road cover.
- Passenger, contingency and unauthorised passenger liability.
- Replacements of locks and keys.
- If there is a total loss within the first year of cover, the car will be replaced with a new one.
- Damage to third parties for up to R2.5 million.
- R5 000 cover towards medical expenses.
- X-country trials, rallies and repatriation costs.
- Your spare wheel and cell phone.
- Cover applies in South Africa, Namibia, Botswana, Lesotho, Swaziland, Zimbabwe, Malawi, Mozambique, Tanzania, Kenya and Madagascar.
Please note that amounts and benefits will differ between insurers so check your own policy carefully to ensure you have the cover you want.