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FAQ’s - What
you really should know about your Cross Country policy.
Q: Is the package really
a specialist 4x4 insurance product?
Yes, in fact the policy caters very specifically only for off road capable
vehicles (including 4x2’s with diff lock) but allows for onroad use as well as in
low, medium, and high-impact off road terrains.
Q: Where am I covered?
Good question; you are automatically covered whilst in RSA of course, plus you enjoy
cover whilst travelling in Swaziland, Lesotho, Namibia, Angola, Botswana, Mozambique,
Malawi, Zambia, Zimbabwe, Tanzania, Kenya and Uganda, all without having to notify
Cross Country before you embark on your adventure.
Q: And if I have an accident or breakdown outside of South Africa?
CXC will pay up to R50,000 to repatriate your vehicle back to RSA following accident as well as breakdown incident!
Q: So my vehicle is repatriated, but what happens to me and my passengers?
CXC will reimburse you the costs of a one way flight back to RSA for the driver and occupants, the costs of vehicle hire in the territory for 3 days up to R1,000 a day as well as the costs of accommodation up to a maximum of R12,000 in
all!
Q: But what happens if my vehicle can be repaired in the territory, do I have
to bring it back to RSA?
Following an indemnifiable loss or damage, you can repair your vehicle
up to R20,000 without
CXC’s authorisation! On return to RSA you will be reimbursed
all costs of such repair less the applicable excess and subject to the submission
of the relevant claim form, repair invoice and photographic evidence.
Q: What if I am travelling in a territory and either myself or other vehicle occupants sustain injury as a result of an accident or contract malaria or any other
life threatening disease or are injured by other means, what then?
CXC have contracted the services of Netcare 911 for emergency services, this includes medical air evacuation from the territory, the costs of medical treatment in a medical facility in the territory as well as repatriation of mortal remains
and child minding services should they be required.
Q: What if I misjudge the depth of water at a river crossing and the engine
ingests water resulting in engine damage, will I be covered then?
Look, you should really do all safety checks, including checking the depth
of water before attempting any crossing, but yes CXC have paid a good number of similar claims, however we do apply a higher excess under these circumstances.
Q: If my brand new vehicle is written off or stolen in the first 12 months from date of first registration will CXC settle my claim?
The CXC policy has a substitution clause which will allow you to replace the vehicle with a brand new vehicle. The clause includes a 15% escalation factor, which caters for vehicle price increases in the 1st 12 months.
Q: Can I insure the extra gear I fitted to my 4x4?
Yes, subject of course to the adequacy of the sum insured for the vehicle.
Q: Does the CXC policy cover third party legal liability or must I still take out the third party insurance at the border if I travel to other African territories?
Another good question; while your CXC policy automatically offers third party liability insurance up to R5m for passenger risks, and R10m for general motor liability, It is still compulsory to take out third party insurance at borders when travelling to other African countries.
Q: I use my 4x4 for both business and private use, am I covered?
Yes, subject to proper disclosure, your 4x4 can be used for private, pleasure, business and professional purposes.
Q: If I claim against the policy, what is my excess?
CXC have a flat basic excess of R2,000 for the principal driver and spouse
over 25 years of age.
Q: I have just completed an accredited off-road driving course, surely I am
less of a risk now?
We think so too. CXC allow premium discounts for completion of an off road
and/or on road training course through recognised training establishments!
Q: Does the CXC policy cover mechanical breakdown of my 4x4?
Should your vehicle break down beyond the borders of RSA, CXC will pay up
to R50,000 to repatriate your vehicle back to RSA. The cost of repairs is for your own account.
Q: Can I insure anything else under the CXC policy?
Sure, your CXC insurance is a dedicated outdoor insurance policy. Insure your 4x4 or 4x2 (with diff lock) or your marine vessel with CXC then you can insure
your caravan, trailer, quad, off road motorcycle, camping equipment and other outdoor sports equipment.
Q: What advice can CXC give me if I am planning a trip into Africa?
First off, plan your trip properly, your off road instructor is probably
a good source of information. Remember communications is key when things go wrong.
Ensure you have a proper communication device (Satellite phone is recommended).
Small tips include remove lock nuts from wheels of the vehicle and replace with ordinary nuts, always have your vehicle’s spare key with you and so forth... there
are a number of excellent books on the subject. Do the research.
WHAT ARE CROSS COUNTRY’S VEHICLE SECURITY REQUIREMENTS?
VEHICLE ANTI THEFT DEVICE -
The vehicle to be insured must have an operational electronic vehicle immobiliser and alarm system approved by VSS in conjunction with SAIA, or a CXC approved tracking device.
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