The Ultimate Explorer

We Target:

  • For the Adventurous
  • Full comprehensive cover including Private and Limited Business, Full Business use, Commercial Lodges/Tour Operators (NO COMMERCIAL), includes full “off-road” application, for 4 x 4 vehicles and 4 x 2 vehicles (with diff lock)
  • The widest territorial limits – RSA, Namibia, Botswana, Lesotho, Swaziland, Mocambique, Zimbabwe, Zambia, Malawi, Tanzania, Kenya, Uganda and Angola
  • Vehicles between R150 000 and R800 000 in value
  • Replacement of the insured vehicle within the first year of registration, following a total loss, including a 15% inflation contingency
  • Cover for loss or damage to the vehicle up to the full retail value, including accessories and equipment, providing the sum insured is adequate
  • Cover for theft (from the locked, insured vehicle) of: Purchases, portable DVD players, GPS units, recovery equipment (incl. damaged whilst in use) – R3 000
  • All repatriation costs ex RSA up to R50 000 including breakdown
  • 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
  • Discounts for: Cross Country approved tracking, lady drivers, retired pensioners, accredited off-road driving and advanced driving courses, lifestyle and behavioural discounts
  • Locks and keys – R15 000
  • Vehicle repair authority within RSA – R10 000
  • Mechanical/Electrical breakdown of winching equipment – R15 000
  • Vehicle Audio Equipment and Two Way Radio’s – R15 000
  • Vehicle car hire – 30 days for theft/hijacking, 35 days for accident (with an option to hire a 4 x 4 vehicle). Client is responsible for hire company excess and non-refundable deposit of R30.00 for a 1600 vehicle and R60.00 for a 4 x 4 vehicle
  • 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), smallcraft, 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