4x4 Driving and Vehicle Insurance
Introduction to 4x4 Vehicle Insurance
We have given much attention to 4x4 and the Safe Driving Experience. It is, however, a fact that despite the best training, accidents do happen! We need to consider the financial consequences of these accidents and provide advice to our 4x4 drivers on how to protect themselves.
When you decide to take your 4x4 vehicle where it has never been before, make sure you get the cover that is going places.
We would like to provide more information on an insurance product from our road safety partner OUTsurance:
OUT-in-Africa is the 4x4 insurance package from OUTsurance and covers vehicles, trailers, motorcycles, caravans and even watercraft used for private and leisure purposes.
Benefits
The cover provided to the client offers the following additional benefits:
- Your vehicle is covered in Tanzania, Uganda, Zambia, Kenya, Angola, DRC (south of Kolwezi), Burundi, Rwanda as well as Mozambique, Malawi, Lesotho, Swaziland, Namibia, Botswana and Zimbabwe.
- Medical repatriation, transportation and inter-hospital transfers.
- Mechanical and electrical breakdown.
- Emergency accommodation and vehicle repairs.
- Repatriation of the vehicle and its occupants to SA.
- Full off-road use as per the vehicle manufacturer's specifications when used off-road and on 4x4 tracks.
What is OUT-in-Africa?
OUT-in-Africa provides optional cover for vehicles (motorcars, motorcycles, caravans, trailers and watercraft). If you select this cover it will be noted on your schedule and an additional premium will be charged.
Any settled claims in relation to your OUT-in-Africa cover will result in you forfeiting your OUTbonus. Your 3-year cycle will however commence immediately following any claim settlement.
Where am I covered?
The vehicle is covered in Tanzania, Uganda, Zambia, Kenya, Angola, DRC (south of Kolwezi), Burundi, Rwanda as well as Mozambique, Malawi, Lesotho, Swaziland, Namibia, Botswana and Zimbabwe. The Watercraft is also covered while afloat within a 20 km distance off the coast, where applicable, of these countries.
This cover does not include any country-specific third-party insurance. This cover must be taken out at each border post should this be required for the country you are travelling to.
When am I covered?
You are covered for the private use of the vehicle. This includes use for private, social, domestic or leisure purposes only. In addition, 4x4 vehicles are covered for full off-road use.
Cover is conditional upon us receiving at least 12 months' premiums, paid via your regular debit order payments, irrespective of the frequency of your travels beyond the borders of SA.
What is covered?
Loss or damage
Loss or damage to the vehicle caused by any of the perils noted under the respective sections on the OUTsurance policy wording.
Breakdown
Mechanical and electrical breakdown cover for the vehicle and watercraft, including the anti-theft device/s, while outside SA. Cover is limited to the costs of airborne technical assistance and additional labour costs incurred because the vehicle is outside SA. Cover is limited to R7 500 for any one incident.
Medical Costs
The full costs of medical repatriation, transportation and inter-hospital transfers are covered.
Emergency
Emergency accommodation while outside SA is limited to R1 000 per person per day and R16 000 for anyone OUTsured incident.
If the vehicle is involved in an accident while outside SA, emergency repairs may be effected in order to make the vehicle functional and mobile. The cost of repairs is limited to R7 500.
Repatriation
Repatriation of the vehicle and its occupants to SA is limited to R65 000 for any one incident caused by any of the noted perils, as well as mechanical or electrical failure of the vehicle, while outside SA.
What is not covered?
Loss or damage
- Loss of or damage to the vehicle caused by any exclusions noted under the respective sections in the OUTsurance policy wording. For more information on what is not covered for Comprehensive Cover under the Vehicle and Watercraft sections, please refer to the OUTsurance policy wording.
- Loss or damage to the vehicle caused by or associated with any civil or political unrest occurring in any of the specified countries except for SA and Namibia.
- Business use is excluded for OUT-in-Africa cover. Business use includes the use of the vehicle for any purpose which forms an essential part of the performance of any work or function.
- Vehicles which are out of the country for more than 3 consecutive months.
- Vehicles which are out of the country for more than a total of 6 months in a calendar year.
Breakdown
- The costs of spares and standard labour charges in the event of mechanical or electronic breakdown.
Repatriation
- Repatriation cover is excluded if the vehicle is immobilised for any reason other than it being involved in an accident, theft, hijack, or mechanical or electrical failure.
OUTsurance is a licensed insurer and FSP.
Also View:
4x4 Off-Road Driving Techniques & Safety
4x4 Driving Hills & Rocky Surfaces
4x4 Driving with Mud Tyres and Mud Driving
Tools and Spare Parts for Safe 4x4 Driving
4x4 Off-Road Driving and Conservation
4x4 Driving and Usage of Recovery Straps
