Everything you need to know about 4×4 insurance

Everything you need to know about 4×4 insurance

Last updated on 13th December, 2017 at 10:02 am

Santam helps you steer clear of sticky situations with top advice on everything you need to know about 4×4 insurance.

While there are very few true wilderness areas left in this world, many South Africans enjoy recreation in the abundant natural vistas that the sub-continent has to offer, in their 4×4 vehicles. Before you head out on your epic adventure, it’s a good idea to check exactly what you’re covered for. Santam answers your questions…

What does a standard 4×4 insurance policy cover?

Most specialist 4×4 insurance cover differs in terms of the following criteria: when you cross South African borders; unforeseen events; and bringing your car back into South Africa. Santam offers extended territorial cover, which includes Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo (DRC). Also ensure that your insurance cover makes provision for winching equipment and repatriation costs, which you’ll need in the event of sudden and unforeseen mechanical and electrical breakdown, and failure or breakage of the winching equipment of the vehicle. If your vehicle is accidentally damaged, Santam will pay the cost of returning your 4×4 vehicle to South Africa.

What do 4×4 drivers typically get exposed to?

  • Political instability or unrest in a country
  • Theft or attempted theft of vehicle or accessories
  • Attacks from wildlife
  • Inappropriate road surfaces or non-existent roads

What are some of the biggest (and less notable) risks insurers need to consider when insuring off-road adventures?

The biggest risk with respect to off-road adventure is the overturning of or damage to a 4×4 vehicle. Is the driver experienced and does he know the capabilities of the vehicle they are travelling in? Include additional accessories (“extras”) under the vehicle insured amount. Ensure that emergency repairs and medical expenses are covered.

What can adventurers do to protect themselves from each of these risks?

Always ensure that your 4×4 vehicle is properly equipped to perform on the chosen terrain and make sure you are familiar with your chosen terrain. Always check your tyre pressure. You can also improve your driving skills by doing a 4×4 driving course. But most importantly, be prepared and be insured correctly.

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