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General Overview of our Policy
The Policy Schedule and Policy Wording supercedes this overview at all times |
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Target Market
 For
the Adventurous |
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| Benefits and Extensions |
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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) |
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The widest territorial limits - RSA, Namibia,
Botswana, Lesotho, Swaziland, Mozambique, Zimbabwe, Zambia, Malawi, Tanzania,
Kenya, Uganda and Angola |
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Vehicles between R150 000 and R800 000 in value |
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Replacement of the insured vehicle within the
first year of registration, for the first registered owner, following a total
loss, including a 15% inflation contingency |
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Cover for loss or damage to the vehicle up to the
retail value, and accessories/fitments up to reasonable market value, provided
the sum insured is adequate |
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Cover for theft (following forcible violent entry
into the locked Insured vehicle) of: Purchases, portable DVD players, GPS units,
recovery equipment (incl. damaged whilst in use) - R3 000 |
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All repatriation costs ex RSA up to R50 000
including breakdown |
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Earned “loyalty” 2 years claims free on the
Insured vehicle with Cross Country - basic excess on Insured vehicle, for
principal driver and spouse is waived |
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Passenger Liability R5 000 000 and Third Party
Liability for R10 000 000 |
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Discounts for: Cross Country approved tracking
device, lady drivers, retired pensioners, accredited off-road driving and
advanced driving courses, lifestyle and behavioural discounts |
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Locks and keys - R15 000 |
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Vehicle repair authority within RSA - R10 000 |
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Mechanical/Electrical breakdown of winching
equipment - R15 000 |
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Vehicle Audio Equipment and Two Way Radio’s - R15
000 |
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Vehicle car hire - 30 days for theft/hijacking,
and 35 days accident damage optional |
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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. |
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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, dual purpose or 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 |
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| What are our requirements? |
| Motor |
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Minimum VESA 3 immobiliser or VSS anti-theft system |
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Tracking device mandatory on certain vehicles |
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| Our full range of prodcts available |
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General Overview of our Policy
The Policy Schedule and Policy Wording supercedes this overview at all times |
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Target Market
The
Executive Market The
Beginner Adventurer For
the not so Adventurous Woman
on Wheels |
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| Benefits and Extensions |
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Full comprehensive cover including
Private, Limited Business and Business use, including full “off-road”
application, for 4 x 4 vehicles and 4 x 2 vehicles
(without diff lock) |
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The standard territorial limits - RSA, Namibia,
Botswana, Lesotho, Swaziland, Mozambique and Zimbabwe |
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Vehicles between R150 000 and R800 000 in value |
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Replacement of the insured vehicle within the
first year of registration, for the first registered owner, following a total
loss, including a 15% inflation contingency |
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Cover for loss or damage to the vehicle up to the
retail value, and accessories/fitments up to reasonable market value, provided
the sum insured is adequate |
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Cover for theft (following forcible violent entry
into the locked Insured vehicle) of: Purchases, handbags, portable DVD players
and GPS units, up to a value of R3 000 |
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All repatriation costs ex RSA up to R15 000
including breakdown |
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Earned “loyalty” 2 years claims free on the
Insured vehicle with Cross Country - basic excess on Insured vehicle for
principal driver and spouse is waived |
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Roadside assistance, Trauma assistance, Legal
costs, Medical Assistance Helpline, Medical emergency evacuation service within
South Africa Only |
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Passenger Liability R5 000 000 and Third Party
Liability for R10 000 000 |
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Discounts for Cross Country approved tracking
device, lady drivers, retired pensioners, accredited off-road driving and
advanced driving courses, lifestyle and behavioural discounts |
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Locks and keys - R15 000 |
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Vehicle repair authority within RSA - R10 000 |
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Mechanical/Electrical breakdown of winching
equipment - R15 000 |
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Vehicle audio equipment - R15 000 or specify under
the All Risks section |
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Vehicle car hire - 30 days for theft/hijacking,
and 35 days accident damage optional |
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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, dual purpose or 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 |
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| What are our requirements? |
| Motor |
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Minimum VESA 3 immobiliser or VSS anti-theft system |
| - |
Tracking device mandatory on certain vehicles |
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| Our full range of prodcts available |
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General Overview of our Policy
The Policy Schedule and Policy Wording supercedes this overview at all times |
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Target Market
For
the Adventurous Weekender For
4x4 Clubs and the like |
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| Benefits and Extensions |
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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) |
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The widest standard territorial limits - RSA,
Namibia, Botswana, Lesotho, Swaziland, Mozambique, Zimbabwe, Zambia, Malawi,
Tanzania, Kenya, Uganda and Angola |
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Vehicles between R70 000 and R149 999 in value |
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Flat Premium Structure |
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Cover for loss or damage to the vehicle up to the
retail value, and accessories/fitments up to reasonable market value, provided
the sum insured is adequate |
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Vehicle type - STANDARD MODELS WITH ACCESSORIES |
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No car hire following accident/write off. However
30 days car hire following theft/hijack is automatically included |
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Cover for theft (following forcible violent entry
into the locked Insured vehicle) and damage whilst in use, of recovery equipment
- R3 000 |
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All repatriation costs ex RSA up to R20 000
including breakdown which is limited to R10 000 |
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Earned “loyalty” 2 years claims free on the
Insured vehicle with Cross Country - basic excess on Insured vehicle for
principal driver and spouse is waived |
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Passenger Liability R5 000 000 and Third Party
Liability for R10 000 000 |
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Locks and keys - R5 000 |
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Vehicle repair authority within RSA - R10 000 |
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Vehicle Audio Equipment and Two Way Radio’s - R5
000 |
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Mechanical/Electrical breakdown of winching
equipment - R15 000 |
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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 a maximum continuous period of 30
days. |
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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, dual purpose or 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 |
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| What are our requirements? |
| Motor |
| - |
Minimum VESA 3 immobiliser or VSS anti-theft system |
| - |
Tracking device mandatory on certain vehicles |
| |
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| Our full range of prodcts available |
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|
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General Overview of our Policy
The Policy Schedule and Policy Wording supercedes this overview at all times |
|
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|
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| |
Target Market
The
Executive Market The
Beginner Adventurer For
the not so Adventurous Woman
on Wheels |
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|
| Benefits and Extensions |
| |
|
| - |
Full comprehensive cover including Private
and Farm use, including 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, Mozambique, 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, for the first registered owner, following a total
loss, including a 15% inflation contingency |
| - |
Cover for loss or damage to the vehicle up to the
retail value, and accessories/fitments up to reasonable market value, provided
the sum insured is adequate |
| - |
Cover for theft (following forcible violent entry
into the locked Insured vehicle) of: Portable DVD players and GPS units plus
recovery equipment (incl. Whilst
in use) for R3 000 |
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All repatriation costs ex RSA up to R50 000
including breakdown |
| - |
Earned “loyalty” 2 years claims free on the
Insured vehicle with Cross Country - basic excess on insured vehicle for
principal driver and spouse is waived |
| - |
Passenger Liability R5 000 000 and Third Party
Liability for R10 000 000 |
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Discounts for Farmers, Cross Country approved
tracking device, lady drivers, retired pensioners, accredited off-road driving
and advanced driving courses, lifestyle and behavioural discounts |
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Locks and keys - R15 000 |
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Vehicle repair authority within RSA - R10 000 |
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Mechanical/Electrical breakdown of winching
equipment - R15 000 |
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Vehicle Audio Equipment and Two Way Radio’s - R15
000 |
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Vehicle car hire - 30 days for theft/hijacking,
and 35 days accident damage optional |
| - |
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, dual purpose or 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
communicationapparatus, non-motorised craft (i.e. kayak, windsurfer,
paddle-ski), parachutes, parasails, man kites, bicycles and other sporting
equipment |
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|
| What are our requirements? |
| Motor |
| - |
Minimum VESA 3 immobiliser or VSS anti-theft system |
| - |
Tracking device mandatory on certain vehicles |
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| Our full range of prodcts available |
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With a Cross Country marine policy, you will have total
peace of mind, while you relax on the deck of your vessel on those warm Sunday
afternoons with the smell of an African braai in the distance...
Benefits and Extensions
• Smallcraft (with or without trailer) can be covered on a stand-alone basis
• Full comprehensive cover, including Private Use and Fishing Charters (NO
COMMERCIAL FISHING OR SCUBA CHARTERS)
• Territorial limits – RSA, Namibia, Malawi, Mozambique, Swaziland, Botswana,
Lesotho, Zimbabwe, Kenya and Tanzania, to a distance of 50 nautical miles off
shore
• Vessels up to R1,000,000 in value can be insured
• Settlement basis: Within first 12 months of registration – new replacement
basis including a 10% inflation contingency.
• Discounts for: Inland use only, owned a vessel for more than 5 years, no
claims in past 3 years, vessel storage etc
• Medical Expenses up to R2,500 for Insured or Insured’s passengers as a direct
result of personal injuries caused by violent accidental external and visible
means
• Repatriation of vessel and trailer outside the borders of RSA following damage
– Maximum R35,000
• Damage to machinery by flotsam is covered
• Collision or impact with submerged objects is covered
• Once the vessel is insured, you have the option to add all risks items, (ie.
Fishing and diving equipment, GPS, fishfinders, radios, electronic equipment
etc.) quads, on/off road motorcycles, 4x4 or 4x2 vehicles and caravans
• Third party and Passenger liability is included. Limits of indemnity reflected
on the Policy Schedule.
• Emergency evacuation for the insured and all passengers – including fishing
charters
• Accidental Death and Personal Accident cover for the insured and all
passengers – including fishing charters. (This cover excludes waterskiing or
similar related activities) Limits of indemnity reflected on the Policy
Schedule.
• Roadside Assistance Benefits following a roadside emergency, Travel Assist and
Weatherline
• Medical Assistance Helpline, Emergency Evacuation for the insured and all
passengers – including fishing charters, Guaranteed Hospital Admission.
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For the hunter in you.
Benefits and Extensions
• The Field and Stream Package may be added to the ULTIMATE, SUBURBAN, FARMER
and WEEKEND Packages
• Immediate family permanently residing with the Insured may be covered under
the Field and Stream Package
• A Trophy is defined as those parts of land based mammals normally associated
with the intention of display such as: flat skin, back skin, cape, skull mount,
shoulder mount, half mount, full mount, including the display.
• Cover includes: Goods in transit (in respect of meat) up to R5,000 per insured
hunter per insured event, as a direct result of: the vehicle which is
transporting the trophy or meat being involved in a vehicle accident or
incurring mechanical or electrical breakdown
• Cover includes: Replacement of mounts, skins and trophies following loss or
damage via normal insured perils – fire, flood, storm, hail, wind, earthquake,
lightning, explosion, water damage, theft and accidental damage, whilst at the
Insured’s premises, at the taxidermist and at the location of the hunt or shoot
on an “Agreed Value” basis
This extension further includes:
- Cost of catered accommodation – limited to R450.00 per day. Cost of drinks is
excluded.
- Daily hunt fees – limited to R300.00 per day
- Cost of replacement animal (per selection from specie list at inception of
cover)
- Taxidermy costs per animal
- Fuel costs – limited to R500.00 per insured hunt
- Expenses for skinning, caping, salt, preparation of meat, spices, skins and
use of farm vehicle etc.
- Cost of registration in the record book and certificate/plaque for Rowland
Ward and or S.C.I.
• The Insured hunter has a maximum of 10 days in order to replace the animal
(the hunt must take place within 2 years of the date of loss)
• Liability: Limit of Liability: R10,000,000 for: Consequential injury, death to
third parties or damage to third parties' property, whilst the Insured is
hunting on the Farm, on club ranges and during organized club shoots.
• Legal Expenses that would cover any normal event arising out of the cover
provided in terms of the Liability extension and excluding any other form of
legal insurance. Maximum indemnity R15,000
• Automatic cover up to a maximum of R25,000 for one of the Insured’s nominated
hunting rifles, shotgun, handgun, black powder gun and specified scope.
• Automatic cover for theft and loss of keys for the Insured’s gun safe. Maximum
indemnity of R1,000 for locksmith costs and replacement of keys.
• In addition, the Insured has the option to insure his other outdoor equipment.
Items such as (to name a few): All risks items (ie. camping, climbing, hiking,
photographic equipment, rifles, handguns etc., hunting accessories, blinds used
by Bowhunters, reloading equipment, clothing apparel and personal effects,
parachutes, paddleskis, communication equipment, GPS and Satellite phones etc),
quads, on/off road motorcycles, boats, jetskis, caravans, trailers.
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General Overview of our Policy
The Policy Schedule and Policy Wording supercedes this overview at all times |
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Target Market
Quad enthusiast Dirtbikes Dual purpose road enthusiast |
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| Benefits and Extensions |
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Full Comprehensive cover including off road use |
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Bike is insured for retail value, including accessories as stated in the Schedule |
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Replacement of the bike within the first 12 months of registration: New list price including accessories |
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Territorial limits: Republic of South Africa, Namibia, Lesotho, Swaziland, Botswana, Mozambique and Zimbabwe |
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Medical and Funeral expenses: R2500 for the rider accidentally injured whilst travelling on the bike |
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Liability to third parties: Limit depends on the bike insured |
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In addition, you have the option of insuring your trailer, outdoor equipment (on an all risks basis), caravan, 4x4 or 4x2 (with diff lock) Vehicle and marine vessel |
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This product has been specifically designed by members of the off road riding community |
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| Exesses |
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Dirt Bike: Flat basic excess of R2500 (Additional excess of R2500 if the bike is stolen anywhere other than at the Insured’s residential premises) |
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Quad Bike: Basic excess: 10% of the claim, with a minimum amount of R3000 (Additional excess of R2500 if the bike is stolen anywhere other than at the Insured’s residential premises) |
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Adventure Bike: Basic excess: 10 % of the claim, with a minimum amount of R3000 |
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Learner’s Licence: Basic Excess: 10 % of the claim, with a minimum amount of R5000 |
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| Requirements |
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All bikes need to be NATIS registered (copy to be provided within 30 days of inception) |
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If the bike is used on National roads (ie. Adventure Bike), the bike must be fully registered and comply with the regulations of The Road Traffic Ordinances of the Republic of South Africa |
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| Our full range of prodcts available |
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