Patrol Insurance

[Michael]

Ok so after this topic has been discussed briefly on this topic, I thought we could discuss it here.

I pay quite cheap insurance and it comes down to R345/month. This premium includes no excess but only covers me inside RSA.
Now I actually did not know that I was not covered in any of my "outside of RSA" outings...... well I asked my broker so still waiting for an answer on this.

What is an affordable alternative when doing over landing?
I got a quote from Tuff Stuff a couple of years back, but it was too much for me.

What do we do?

[Michael]

Ok so update from my broker.

Seems like I am covered for any accident, hijack or theft outside of RSA as well......BUT no coverage for getting the salvage back to RSA (and this is quite costly).

Another thing which I am waiting for is whether I am covered when doing a 4x4 trail or not.
Santam (which is where the broker insured me) does have a new 4x4 cover. I will share my quote when I receive it...... the delay is that they cannot find the Patrol wagon on the system, but only the LDV and it does not fall under 4x4

[SJC]

Dink my versekering maandlikse premie is ook omtrent daar rond. (per voertuig).

Al twee my patrols en huishoudelike versekering is by auto & general.
Tuffstuff se kwotasie was omtrent dubbel gewees...(eas ek reg onthou).

https://www.autogen.co.za/products/vehicle/advensure/

[Peter Connan]

My insurance is nearly three times that, but includes specified accessories to a value greater than that of the car (which is enough to send most insurers running to the hiĺls) and recovery from SADC countries and medical repatriation...

I suspect it's time to down-vrade though.

[Michael]

Interesant Fanus

Ek sien my versekering dek alles wat hulle op daai site noem, maar auto & general spesifiseer nie of hulle jou sal insleep uit die SADAC lande nie.......hulle se net jy is ge cover. Sien mans kan net R10,000 se accesories byvoeg en vir n maksimum van R40,000 teen n extra premie.

My accessories kom huidiglik uit op R59,000 en dis nie moeilik om by R100,000 uit te kom nie. Hulle het nie n probleem om my extras op te sit nie en dit is baie chaep.

Sal graag wil weet of daai "cross border recovery" ingesluit is.

[hugejp]

My Patrol is covered full comprehensive & business use.

R790p/m

[Kagiso II]

Ek doen nie Admin nie .. daai s die Dwergie se expertise. Sy het ons alles laasjaar na TuffStuff geskuif omdat dit in totaal n goedkoper opsie was [sy klou nogal aan n pennie ] Dit gee ons gemoedsrus veral omdat ek so baie buitelands is op Uitreike. Meeste mense doen een of twee keer in hul lewe 'n trip per voertuig buite landsgrense.. Ek hap hap aan tot 6 per jaar.
Ek dink op die stadium is my "extras" se vervang waarde en die Patrol se waarde nie ver van mekaar nie.

[Alex Roux]

Ok so update from my broker.
Seems like I am covered for any accident, hijack or theft outside of RSA as well......BUT no coverage for getting the salvage back to RSA (and this is quite costly).
Another thing which I am waiting for is whether I am covered when doing a 4x4 trail or not.

Talk to Tuff-stuff.
Part of Ream Insurance Brokers and Western National is the underwriter
Tel 0861 44 44 00

All my household goods and all my cars with them for the past year now.
Includes all events in SADEC, and Herman Engel can come and fetch you in his Iveco 4x4 flatbed if you are badly stuck / break down in 4x4 territory.
24/7/365 - TUFFASSIST Roadside Assistance and International Medical Evacuation

Also not that expensive.
I have not claimed with them either yet, but the 4x4 Community guys have and rave about their service on claims too.

[AdrianPowrie]

With Discovery and the Patrol is R770...
Includes 4x4 trails and all SADAC regions. Full vehicle repatriation as well as medical should it be needed.

[Tommie]

Dag Maats.

Na ons ondervinding die afgelope tyd, is ek nogal van mening dat cross country nie sleg is nie. Ek kan dalk ander deuntjie sing.... Die ys is nognie afgehandel nie. Hulle het tot dusver vir ons nog net goeie diens gegee. Ons ongeluk was die Vrydag, en die Maandag ogend 9uur was die Patrol op n rollback al 300km van die RSA grens af deur Botswana. Hulle het ook R12k gehad vir ons om terug te vlieg, en dan ook n groot gros ander voordele. Ja hulle is nie goedkoop nie. Die Patrol was verseker vir R475k. Waarvan alles gespesifiseer was.

Die punt wat ek wil maak is die volgende..... Maak sekker dat jy weet wat jou dekking insluit. Wanneer die ongeluk gebeur, dat jy darem die gemoedsrus het om te weet dat jy gedek is vir moontlik alles