Are you Absolutely Covered by your insurer?

Consider you are off-road, outside of South Africa, and faced with one of these situations:

You are involved in an accident and your 4x4 is damaged beyond repair - you and your family are deserted in the middle of nowhere.

Wouldn't it be great if your policy covered emergency accommodation and then you, your family and your damaged 4x4 were brought back to SA safely?

You are injured or pick up some strange disease... you are thousands of kilometers away from a decent hospital.

You would surely hope that your policy includes airborne medical evacuation by qualified medical personnel and guarantees you will be admitted to a top clinic or hospital back in SA.

You get stuck in some remote part of Africa, and your winch is damaged in the process of recovering your 4x4.

You hope that your policy covers mechanical and electrical damage of your winch.

Your 4x4 comes to a grinding halt – the computer has crashed, or the immobiliser system has left you stranded. You are 15 hours drive away from the closest dealership.

How much peace of mind would it give you if you knew your policy would cover the cost of a technician to fly in and come to your rescue?

Or even while you are in SA... perhaps you use your 4x4 for business trips – consider these situations:

Your vehicle is stolen or written off… your finance company takes it's time in de-registering the vehicle.

Wouldn't it be convenient if your policy automatically covered car hire for up to 75 days? And how about paying the difference between the market value and what you owe the bank?

Your vehicle sound system is stolen.

Does your policy automatically cover the radio up to an amount of R10'000... without any additional premium?

The vehicle's keys get lost and replacing the keys and reprogramming the immobiliser system costs R15,000.

Will your existing policy automatically cover that? And without any extra premium?

6 questions you should ask you current insurer:

1. Does my policy cover full off-road use in all African countries South of the equator, including the whole of Kenya, without an additional excess?
2. Is third party and passenger liability covered up to R10,000,000?
3. Does my policy include International and Local Legal Assistance up to R50,000?
4. If I lose some personal documents will the cost of replacing them be covered up to an amount of R5,000?
5. Can I authorise emergency repairs whilst outside SA up to R20,000 if I am involved in an accident?
6. Will you provide trauma treatment up to R10'000 if I or my family is hijacked?

If your insurer answered NO to any of these questions – then you are not Absolutely Covered.

Absolutely Covered Brokers CC is an Authorised Financial Services Provider: 2511

Contact Shane van Schalkwyk at Absolutely Covered Brokers for more information.