Specialist 4x4 insurance a must when leaving SA

Many 4x4 enthusiasts will agree that South and Southern Africa have an off-road culture unlike anywhere else in the world. The attraction of spectacular natural vistas, with brilliant night skies and absolute silence have become the ultimate getaway for many.

But before you head out on your epic adventure, a leading insurer says along with the fun comes the risks and it is a good idea to check exactly what you’re covered for.

According to Marius Steyn, Underwriting Manager at Santam, most specialist 4x4 insurance cover differs in terms of the following criteria: when you cross our borders, unforeseen events and bringing your car back to SA.

“Also ensure that your insurance cover makes provision for winching equipment which you’ll need in the event of sudden and unforeseen mechanical and electrical breakdown, failure or breakage of the winching equipment of the vehicle.

“If your vehicle is accidentally damaged, some insurers will pay the reasonable cost of returning your 4x4 vehicle to South Africa, if it is accidently damaged,” says Steyn.

He adds that consumers have been exposed to, or reported the following incidents: political instability or unrest (like riot or strike), theft or attempted theft of vehicle or accessories, attacks from wild life and inappropriate roads or non-existent roads.

The biggest risk with respect to off-road adventure is the overturning of a 4x4 vehicle. The best insurers make use of the worldclass rating methodology to determine the rates on different types of 4x4 vehicles and the way in which the risk is calculated and adjusted accordingly. – Motoring Correspondent