• Products
  • Truck insurance
  • GIT insurance
  • Excess buy back
  • Loss of Use Insurance
  • Value Added Products
  • Pollution Liability
  • Plant insurance
  • Business insurance
  • 4x4 Lifestyle Insurance

4x4 Lifestyle Insurance

Extensions

• Comprehensive cover including Social, Domestic, Private, Professional and Business use (excluding hired out vehicles). Business use is subject to conditions.
• Car Hire Cover is included following a claim under the policy up to an amount of 0.1% of the vehicles sum insured per day, but no less than R265 (group "B" car) per day and not more than R650 per day with a maximum of maximum 75 days cover.
• Third party and passenger Liability is covered up to R10 000 000 (excluding hired out vehicles).
• International Legal Assistance cover up to R75 000.
• Credit shortfall cover is included.
• The standard territorial limits - Africa, south of the Equator, including the whole of Kenya.
• Full Airborne Medical evacuation by qualified medical Personnel while outside RSA back to the RSA, limited to R150 000 per person and a maximum of R1 000 000 for any one claim.
• Guaranteed admission to top Clinics / Hospitals in RSA of passengers of the insured vehicle following medical emergency evacuation - Limited to R20 000 per person to a maximum of R80 000 per occurrence.
• Personal Accident Cover up to an amount of R25 000
• Repatriation of the vehicle and it's occupants, back to RSA following an accident or theft or mechanical or electrical failure of the vehicle whilst outside the RSA but inside any of those countries mentioned above but excluding Angola. Repatriation of vehicles from Angola will be conducted from the Namibia / Angola border only.
  
• Cover is limited to R65 000 for any one claim. This extension excludes hotel accommodation.
• All risks cover is included in respect of your motor vehicle radio, limited to R10 000.
• Mechanical and Electrical derangement of winching equipment following recovery of the insured vehicle is covered to a limit of R20 000 for any one claim.
• Loss of Personal documents. The extension is limited to an amount of R10 000.
• Loss of keys to the insured vehicle is covered. The extension is limited to an amount of R 20 000
• Airborne assistance whilst outside the country but within the territorial limits in respect of failure of immobilising systems and security devices rendering the vehicle immobile is covered to a limit of R15 000 for any one claim.
• Full off-road use (excluding competitions) in any of the aforementioned countries.
• Emergency repairs whilst outside the RSA is limited to R20 000 following an accident.
• Trauma treatment following hijacking of the insured vehicle limited to R10 000 per occurrence.
• Emergency accommodation whilst outside the RSA limited to R20 000 any one incident and to R1000 per person per day. Subject to indemnity limit.
• Replacement of the insured vehicle following a total loss within the first 12 months of registration and provided that it has done less than 30 000km, subject to indemnity limit.
• Full mechanical and electrical derangement cover to the insured vehicle whilst outside the RSA. Cover is restricted to the cost of airborne technical assistance and additional labour costs. The normal labour cost as well as the costs of spares is for the insured's account. The limit is R7500 per incident.
• Small Craft and Pleasure Craft cover with geographical limits within RSA and neighbouring countries limited to 20 nautical miles offshore.

Benefits

• No additional excess in respect of off-road use.
• Uncomplicated and easy to understand excess structures apply.
• No Theft or Hijack excess applicable where approved Tracking System has been installed.
• No additional excess in respect of the age of the driver.
• All repairs carried out by authorised repairers only.
• An efficient and high level of service to clients.
• No electronic voice answering systems or general call centre
• Dedicated staff with identified client portfolios under individual responsibility – you know who to talk to.
• You can extend this product to include all lifestyle cover such as
  • Mountain & Road bicycles
  • Quads & Offroad motor cycles
  • Boats & Jet Skis
  • Camping & Fishing Gear
  • And much more

• Products
  • Truck insurance
  • GIT insurance
  • Excess buy back
  • Loss of Use Insurance
  • Value Added Products
  • Plant insurance
  • Business insurance
  • 4x4 Lifestyle Insurance