From rugged off-roading to sophisticated luxury 4x4s’, and everything in-between. Full comprehensive cover including Private, Full Business and Tour Operator Use, including full off road” application.
4x4’s & SUVs’, Camping Equipment, Caravans and trailers.  Superbikes, Off-Road bikes, Quad-bikes, Mountain-bikes. From pleasure craft, yachts &jetskis’ to windsurfers & kite-surfer equipment.


4x4 Vehicles

  • Territorial limits include:
    • Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Republic of South Africa, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe
  • Repatriation costs following accident or breakdown beyond the Republic of South Africa borders
  • Cover for theft (following forcible violent entry into the locked insured vehicle) of: Purchases, handbags, portable DVD players, GPS units, recovery equipment (including.damage whilst in use)
  • “Earned loyalty” 2 years claims free on the insured vehicle – basic excess for principal driver and spouse is waived
  • Locks and Keys
  • Mechanical electrical breakdown of winching equipment
  • Vehicle audio equipment and two way radio’s
  • Car hire following theft and hijack automatically included. Car hire following accident damage optional
  • Passenger and Third Party Liability for death and damage to property
    • Medical Assistance Helpline –
    • Medical Emergency Evacuation –
    • Guaranteed Hospital Admission –
    • Trauma Assistance – Offers a professional counsel ling service to Policyholders and their immediate family
    • Legal Assistance - Helpline is manned by attorneys, equipped to provide assistance on all areas of the law

Off Road Bikes & Quad Motorcycle insurance

  • Full comprehensive cover including full off road use
  • Racing risk included for off-road Dirt-bikes at MSA sanctioned events in South Africa.
  • Bike or Quad is insured for retail value including accessories
  • Territorial Limits: RSA, Lesotho, Swaziland, Mozambique, Zimbabwe, Botswana and Namibia
  • Repatriation following accident and breakdown beyond RSA.
  • You have the option of insuring the bike trailer
  • Use of the vehicle: Social, domestic, including to and from work
  • Replacement of Bike within the first 12 months of registration: New list price including accessories
  • Medical and Funeral Expenses
  • Medical emergency evacuation service including Trauma assistance and R5000 guaranteed hospital admission within the Republic of South Africa


A PRODUCT especially designed for all cycling enthusiasts whether you are a recreational or professional cyclist. It covers all risks both in South Africa and internationally.

  • All Risks for bicycle and accessories based on replacement value.
  • Theft, hijacking, damage incurred in transit or whilst training.
  • Damage incurred during international, national, provincial or club events, time trials or track events.
  • Legal Liability.
  • Personal Accident cover – death or permanent disability
  • Medical benefits for any accident

All aboard

  • Small craft, (with or without trailer) including yachts and Jetskis can be covered on a stand-alone basis.
  • Full comprehensive cover, including Private Use and Fishing Charters
  • Territorial limits - RSA, Namibia, Malawi, Mozambique, Swaziland, Botswana, Lesotho, Zimbabwe, Kenya and Tanzania, to a distance of 50 nautical miles off shore.
  • Settlement Basis: Within first 12 months of registration - new replacement basis including a 10% inflation contingency.
  • Reparation of vessel and trailer outside the borders of RSA following damage
  • Damage to machinery by flotsam is covered.
  • Collision or impact with submerged objects is covered.

Please see the MARINE section of this website for a comprehensive description of all our marine cover


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