4x4 insurance

Some people may wander why there is difference between 4x4 insurance and normal car insurance. Its not just that the vehicle types are different, since it is not all that uncommon for clients to insurer their 4x4’s through a traditional car insurance policy. However, for the true 4x4 user, it may well be better to purchase 4x4 insurance. This type of insurance offers a more comprehensive type of cover for the owner, in that it would normally cover the vehicle for on and off-road use, as well as use outside the borders of South Africa. Further to this it also offers insurance to cover the extra 4x4 accessories which are normally added to these type of vehicles. Traditional insurance does not normally cover these extra’s and if they do, they are normally quite expensive to insure.Normally 4x4 insurance is more cost effective for the owner, but is then strictly for private or semi-private use. The insurers normally will also only cover standard vehicles which haven’t been overly modified or rebuilt. Because it is strictly a 4x4 insurance most insurers will only cover vehicles with full 4x4 functionality or at least with a Diff Lock fitted.