The Suburban Explorer

We Target:

  • The Executive Market
  • The Beginner Adventurer
  • For the not so Adventurous
  • Women on Wheels
  • Full comprehensive cover including PRIVATE USE ONLY, including full “off-road” application, for 4 x 4 vehicles and 4 x 2 vehicles (with diff lock)
  • The widest standard territorial limits – RSA, Namibia, Botswana, Lesotho, Swaziland, Mozambique, Zimbabwe, Zambia, Malawi, Tanzania, Kenya, Uganda and Angola
  • Vehicles between R70 000 and R149 999 in value
  • Flat Premium Structure
  • Cover for loss or damage to the vehicle up to the retail value, including accessories and equipment, provided the sum insured is adequate
  • Vehicle type – STANDARD MODELS WITH ACCESSORIES
  • No car hire following accident/write off. However car hire following theft/hijack is automatically included
  • Cover for theft (following forcible violent entry to a locked vehicle) and damage whilst in use, of recovery equipment – R3 000
  • All repatriation costs ex RSA up to R20 000 including breakdown which is limited to R10 000
  • Earned “loyalty” 2 years claims free with Cross Country – basic excess on insured vehicle for principal driver and spouse is waived
  • Windscreen excess – No excess applies for the first two replacement windscreen glass claims per year
  • Passenger Liability R5 000 000 and Third Party Liability for R10 000 000
  • Locks and keys – R5 000
  • Vehicle repair authority within RSA – R10 000
  • Vehicle Audio Equipment and Two Way Radio’s – R5 000
  • Mechanical/Electrical breakdown of winching equipment – R15 000
  • Netcare 911 Emergency Assistance Services – includes Medical Assistance helpline, medical emergency helpline, medical emergency evacuation service, trauma assistance, international personal accident and medical assistance (to include passengers) limited to R1 000 000 ex RSA, for maximum continuous period of 30 days.
  • Once the vehicle is insured, the client has the option to insure his other outdoor equipment on a far wider basis than his conventional policy. Items such as: Quads, on/off-road motorcycles, caravans and trailers (including off-road types), small craft, camping, hiking, climbing, photographic, viewing equipment, firearms, scuba, boating, fishing equipment, communication equipment including satellite phones and other two way communication apparatus, non-motorised craft (i.e kayak, windsurfer, paddle-ski), parachutes, parasails, man kites, bicycles and other sporting equipment
  • Specialised fitments and accessories can be covered under the motor section subject to itemised listing and adequacy of sum insured
  • Flat basic excess structure

Basic excess for the principal driver and spouse (over 25 years)

Flat R2 000

Any subsequent claims on insured vehicle within any 12 month period – Basic excess is amended to R3 000

Basic excess for any other driver (over 25 years)

3% of the claim amount subject to a minimum of R5 000

Any subsequent claims on insured vehicle within any 12 month period – Basic excess is amended to 3% of the claim amount subject to a minimum of R6 000

Basic excess for any driver, including principal driver and spouse (under 25 years)

3% of the claim amount subject to a minimum of R10 000

Any subsequent claims on insured vehicle within any 12 month period – Basic excess is amended to 3% of the claim amount subject to a minimum of R11 000

Theft and Hijack excess

8% of claim

If the vehicle insured is fitted with a Bandit or Neo-trac tracking device and the device is fully operational at the time of the Theft or Hijack, there is NO Theft and Hijack excess.

Motor

  • Minimum CFG 3 (and satisfactory claims/loss history) and proof of CFG
  • Minimum VESA 3 immobiliser or VSS anti-theft system