PRODUCTS

COMPREHENSIVE MOTOR INSURANCE

WET-DECK/SMALL CRAFT

portable Outdoor property

COMPREHENSIVE MOTOR INSURANCE

PRIMARY VEHICLE COVER

  • AWD – All wheel drive
  • 4WD – 4 wheel drive
  • 4X4 with high & low range
  • 2WD (diff lock) – 2 wheel drive with differential lock

Types of vehicles in each category:

  • SUV – Sports Utility Vehicles
  • Bakkies – Double & Single cabs
  • Safari Units – Converted Open back Game Viewers
  • Classic 4X4’s – (Pre 1980 production restored vehicles)

MOTOR CYCLES

  • Tourer/Cruiser / Adventure motor cycles in excess of 500cc

TOWABLES

  • Caravans, camper, baggage and utility trailers

OTHER

  • ATVs and golf carts

MAX. INSURABLE VALUE

R2 500 000 (inclusive of fitments/accessories and VAT) 

TRAVEL LOCATIONS

Anywhere in Africa south of the Equator, excluding Democratic Republic of Congo, Burundi, Equatorial Guinea, Gabon, Madagascar, Rwanda and the Republic of Congo.

VEHICLE USE

Optional – Private including to and from work/ and-or business use/ and-or professional use plus recreational off-road use.

EXCESS

  • Basic – 4% of claim/min R2 000
  • Hail – Nil

AUTOMATIC SPECIAL EXTENSIONS

Repatriation from cross border and many more.

1) True Grit –AWD/4WD/4×4 vehicles with high and/or low range, in the Station Wagon/SUV & Double/Single Cab Categories, including units fitted with differential lock;

2) True Grit – Caravans & Trailers (both on & off road versions), utility units, boat trailers, motor cycle & vehicle towing units (excluding live stock or animal transport units);

3) True Grit – 2, 3, 4, 6 & 8 wheels units plus ATV’s.

2/3 wheel units restricted to Tourer/Cruiser/Venture bikes over 500cc.

4) True Grit – Classic 4×4’s – vehicles older than 1980 and Recreational Vehicles (mobile camper units).

FITMENTS & ACCESSORIES AS SPECIFIED
New for old applies for fitments & accessories purchased new within 3 years from date of inception of insurance. Market value applies for items older than 3 years from date of 1st purchase.

1a) Own Damage: R2.5m inclusive fitments/accessories/conversions; (min. value – R100 000.)

1b) Third Party – 

i) Driver age 30 and over – R5m per claims incident in total;
ii) Driver age 26 to 29 – R2m per claim incident in total;
iii) Driver age 25 and below – R1m per claim incident in total.

2a) Own Damage – R500 000 inclusive of fitments/accessories/conversions; 

2b) Third Party – inclusive of TP limit for a) above.

3a) Own Damage – R500 000 inclusive of fitments/accessories/conversion costs;

3b) Third Party – R250 000 with the exception of:

i) passenger liability for a passenger on an insured motorcycle which is excluded;
ii) and any Third Party claim arising out of the use of ATV’S or Caddy carts which is limited in total to R100 000.

4a) Own Damage – R500 000 inclusive of fitments/accessories/conversion costs
4b) Third Party – R5m per claims incident in total or as specified dependent on lower age groups (bii or iii) above.

1) Primary vehicles

i) Any loss/damage giving rise to a claim > 4% of claim/min R2000
ii) Theft/hijack – no or substandard vehicle anti-theft protection or security device > 10% of claim/min R5000.
iii) Hail damage > Nil
iv) WINDOW GLASS
Replacement:
a) Front & Rear > 20% of claim/min R500
b) Side glass > 20% of claim/min R250.

v) Driver’s who have held a license for less than 3 years and/or are under 25 years of age > additional R3000;

vi) Single vehicle accidents where repair costs exceeds R100 000 > additional R2000;

vii) Damage arising from water ingestion into the engine and/or water affecting the vehicle’s electricals > additional flat R5000;

viii) Damage occurring whilst traversing off-road > additional R1000;

ix) Third Party only damage > R1000

Fitments & Accessories Extension > 4% of claim/min R500 

2) Towed Units/Towables: Loss or Damage to:

a) On Road trailers > 5% min/R500

b) Off Road trailers > 3% min R750

c) On Road caravans > 5% min R1500

d) Off Road caravans > 3% min R1000

e) All other Trailer > 5% min R1000

Category d) – 2,3,4,6 & 8 Wheeler Units

3) Loss or Damage to:

a.i) Motorcycles – 5% of claim/min R2500
a.ii) Theft of Motorcycles (not recovered) > 7.5% of claim

b.i) ATV’s > 7.5% of claim/min R2500
b.ii) Theft of ATV’s > 10% of claim

4) Classic (pre 1980 production) 4×4’s and Recreational vehicles (mobile campers) – 3% of claim amount

a) Social, Domestic, Pleasure, including commuting only to & from work as well as recreational use in variable off-road terrains; OR

b) Social, Domestic, Pleasure, Business or Professional use as well as recreational use in variable off-road terrains.

Cover applies whilst taking part in organized & supervised rallies, club challenges and competitions other than for speed trials or enduro races.

RSA, Lesotho, Swaziland, Namibia, Botswana, Zimbabwe, Mozambique, Angola, Zambia, Malawi, Tanzania, Kenya & Uganda. Trip limit – 6 consecutive weeks.

1) Contents – Loose items such as Vehicle recovery equipment, medical kits (other than GP kits), 2 way communication equipment, luggage, maps and incidental purchases are covered up to R15 000.

2) Indemnity in the first year from date of first registration of the vehicle includes up to 15% escalation, in event of total loss.

3) Temporary Repair costs following accident damage covered relative to category a) & b) vehicles up to R20 000 subject to notification of the incident and provision of a claim form & substantive papers.

4) Keys, Locks and remote devices are covered up to R20 000 for replacement of equivalent but not superior items.

5) Sudden and unforeseen, Mechanical or Electrical breakdown of winching equipment covered up to R20 000.

6) Cost of repatriation of category a) to d) vehicles from territories (ex-RSA) specified in the policy is covered up to 15% of the insured value of the vehicle and other towed units including small craft insured under the policy however not exceeding in total a maximum any one incident of R100 000, following accident or loss. NOTE: ACCESS TO THIS EXTENSION COMMENCES 3 MONTHS AFTER INCEPTION OF COVER FOR THE VEHICLE.

REPATRIATION FOLLOWING BREAKDOWN is limited to 5% of vehicle insured value and R20 000 any one event. Applies to neighboring territories to RSA only.
Breakdown cross border provision – For vehicle models which are still under manufacturer warranty – manufacturer roadside assistance may extend into certain adjoining territories. Clients first option must be to utilise the manufacturer facility. Certain Manufacturers have franchise dealerships in adjoining territories who can assist with breakdown repairs under the RSA warranty. List to be supplied.

EXTENSIONS ASSOCIATED TO 6) ABOVE AND RELATING TO LOSS OF OR DISABLING ACCIDENT DAMAGE TO THE INSURED VEHICLE. THESE EXTENSIONS DO NOT APPLY TO ELECTRICAL OR MECHANICAL BREAKDOWN OF THE VEHICLE.

a) Alternative vehicle hire ex-RSA covered up to a maximum of 3 days however not exceeding a daily rental cost of R2000 a day.
b) Cross border hospitality costs up to R15 000, for 3 consecutive nights and a maximum of R1000 per trip occupant of the vehicle, per night.
c) Cost of a one-way return flight per trip occupant of the vehicle up to a maximum of R3000 per person and a total of R15 000 per repatriation for the trip.

7) Foreign duties imposed in the event of total loss of the insured vehicle in an ex-RSA territory covered under the policy.
Recovery of an undamaged Stolen or Hijacked vehicle – the Policy will pay up to R4000 for an Executive Vehicle Valet Service and 122 point check.

1) Value Added Products as per a) to e) automatically included):

a) Medical Assistance Access (RSA and SADC regions specified in the territorial regions) – A Linkham travel insurance policy will cater for cross border excursions by clients on a pre-travel request basis. Medical attention cross border and evacuation back to RSA limit R20M – this cover can be arranged by application prior to the journey.
RSA guaranteed hospital admission and Personal Accident cover up to R5 000.
Cover caters for: Emergency medical response, Repatriation of mortal remains, Personal Accident Cover and other expenses (not only limited to an incident in the insured vehicle).

b) Telephonic Trauma Counselling;

c) Emergency Roadside Assistance;

d) Access to Fines Expert;

e) Legal Assist, Advice and Access.

  1. Alternative Car Hire through EFS (5 vehicle options);
  2. Tyre Insurance – XsSure; (includes damage during off – road traversing)
  3. Tyre & Rim Insurance – (XsSure); (includes damage during off – road traversing)
  4. Excess Insurance – (XsSure) ;
  5. Credit Shortfall- Deposit protect – (iCredit);

POLICY DOCUMENTS

wet-deck/ small craft

PRIMARY COVER

Any motorised water craft or sailing vessel that does not exceed 11m in length and a value of R1 500 000

VESSEL TYPES

  • Power boats
  • Ski boats
  • Tenders
  • Yachts
  • Jet skis

Machinery

  • Outboard and In-board varieties

HULL TYPES

  • Semi-Rigid
  • Rigid Mono-Hulls
  • Twin-Hull
  • Tri-Hull 

COVER

Accidental loss of or damage to the Vessel, including whilst in tow, by road. 

USE

Private and pleasure purposes in Inland waters and/or seaborne out to 50 nautical miles

INDEMNITY

New for old in first 5 years subject to the adequacy of the sum insured.

EXCESS

Variable between 3% to 7.5% depending on type of craft and circumstances of loss

TRAVEL LOCATIONS

Anywhere in Africa south of the Equator, excluding Democratic Republic of Congo, Burundi, Equatorial Guinea, Gabon, Madagascar, Rwanda and the Republic of Congo.

EXtention

Repatriation from territories, automatically covered.

ACCIDENTAL DAMAGE, FIRE, LIGHTNING, EARTHQUAKE, VOLCANIC ERRUPTION, MALICIOUS ACTS, DROPPING OFF OF OUTBOARD MOTOR/S PROVIDING PRIOR TO SUCH LOSS THE MOTOR/S WERE SECURELY ATTACHED TO THE VESSEL, LATENT DEFECT IN THE VESSEL OR ITS MACHINERY, NEGLIGENCE OF ANY PERSON, COLLISION WITH SUBMERGED OBJECTS, FOWLING OF MACHINERY WITH FLOTSAM & JETSAM INCLUDING DAMAGE TO THE CRAFT, THEFT OR ANY ATTEMPT THEREAT INCLUDING MACHINERY, OUTBOARD MOTORS, GEAR OR EQUIPMENT FOLLOWING FORCIBLE AND VIOLENT ENTRY INTO OR EXIT FROM THE VESSEL OR PLACE OF STORAGE.

 

VESSELS WHICH CAN BE COVERED:

  1. a) Semi Rigid class
  2. b) Mono Hull Rigid class
  3. c) Twin Hull Rigid class
  4. d) Tri – Hull Rigid class
  5. e) Yachts

f) Wet bikes/jet skis’

  1. a) Loss or damage to a vessel complete including machinery and fitments not exceeding R1 500 000 in value.

 NOTE:-

1) Trailer to be insured separately under c) of the TAR, TRACK & TRAIL SECTION A.

2) The vessel must not exceed 11 metres in overall length and the design speed must not be more than 60 kph.

3) The vessel comprises the hull, superstructure, fittings, machinery, engines, motors, generators, hoardings, sails, spars, masts, rigging, life boats, gear and equipment such a normally would be sold as one unit or a complete unit.

4) If the vessel is a total loss & is less than 5 years old from date of first purchase indemnity based on the current purchase price of a new vessel of the same or similar model.

5) For Vessels which are older than 5 years indemnity will be based on the current market of a similar age vessel.

 

b) Third Party incidents arising out of the ownership or use of the vessel (other than a Jet-ski) is limited to R2 000 000 in respect of any one event or series of events arising out of the same incident. Incidents arising out of the use of Jet-ski’s are limited to R200 000 per event.

PER VESSEL TYPE (HULL, MACHINERY & EQUIPMENT)

1)SEABORNE USE

  1. a) Semi Rigid class > 5% of claim/min R2500;

b)Mono, twin & Tri-Hull Rigid class > 5% of claim/min R2000;

  1. c) Yachts > 7.5% of claim/min R2500;
  2. d) Theft of Machinery/Equipment > 7.5% of claim.

2) INLAND

  1. a) Semi Rigid class > 5% of claim/min R1500;
  2. b) Mono, twin & Tri-hull Rigid class > 3% of claim/min R1000;
  3. c) Yachts > 5% of claim/min R1500.
  4. d) Theft of Machinery/Equipment > 7.5% of claim.

3) Wet bikes/jet skis’ > 7.5% of claim/min R3000.

4) Damage to third party property > flat R2500.

For pleasure, social & leisure purposes including taking part in deep sea angling competitions and/or organized/supervised regattas within the maximum range of 50 nautical miles from the shore of territories covered under the policy.

POLICY DOCUMENTS

portable outdoor property

COVER

All Risks of physical loss or damage to the specified item including whilst in use.

SPECIFIED ITEMS

  • Fishing/boating
  • Diving (scuba and free dive including spear guns)
  • Hunting and sports shooting including optics and accessories:
  • Rifles, shotguns & hundguns (includes classic big/small bore and black powder varieties)
  • Precision competition air rifles and pistols
  • Archery (compound, recurve, long and crossbow varieties)
  • Camera and optical equipment & accessories
  • Aerial sporting equipment
  • Pedal cycles (Racing, mountain and multi seater units)
  • Motor cycle gear and accessories
  • Non-motorized water craft including ski’s and inflatables
  • 4X4 removable fitments and accessories
  • Camping equipment, non-standard supplied caravan contents 
  • Other

MAXIMUM VALUE

On any one item: R100 000

EXCESS

Variable depending on the item category insured.

ALL RISKS OF PHYSICAL LOSS OR DAMAGE TO PROPERTY SPECIFIED TO BE INSURED UNDER THE FOLLOWING SUB CATEGORIES:-

  1. UNSPECIFIED ITEMS (select group sum insured)
  2. SPECIFIED ITEMS IN THE FOLLOWING CATEGORIES:-
  3. a) Fishing/Boating equipment;
  4. b) Diving – scuba & free dive;

c) i) Firearms(Rifles/Shotguns/Handguns, Classic big and small bore, black powder varieties) ideal cover for dedicated status hunters, sport shooters and firearm collectors

  1. ii) Competition Air rifles/pistols

iii) Bows (Compound/Recurve/Long/Cross);

d) Camera/Optical equipment;

e) Parachute/Para – sails/Hang gliders/Man kites;

f) Pedal cycles – Racing/Mountain bikes including multi seaters;

g) Motor cycle gear and accessories

h) Canoes/Kayaks/Paddle skis/Inflatable Rafts/Skis

i) Removable 4X4 Fitments & Accessories

j) Camping equipment & apparatus including caravan equipment

k) Other to be advised

  1. MAXIMUM LIMIT ANY ONE ITEM – R100 000

    (special application can be made to insure items with values above this amount)

    NEW REPLACEMENT VALUE CONDITIONS APPLIES

EXCLUSIONS PER CATEGORY

  1. UNSPECIFIED ITEMS > 10% of claim;
  2. SPECIFIED ITEMS (as follows):

a) Angling/Boating > 5% of claim/min R300 per item;

b) Diving – scuba & free dive > 5% of claim/min R500;
c.i) Firearms (rifle/shotgun/handgun) > Flat R500;
c.ii) Air rifles/guns > Flat R300;
c.iii) Bows > Flat R300;

d) Camera/Optical > 6% of claim/min R750 per item;

e) Parachutes/Para sails > 10% of claim/min R1 000;

f) Peddle cycles > 7.5% of claim/min R1 000;

g) Bikers – kit > 6% of claim/min R500;

h) Canoes/Paddle skis etc > 10% of claim/min R500;

i) 4X4 Vehicle Fitments & Accessories > 4% of claim/min R500 per item;

j) Camping/Caravanning > 10% of claim/min R500.

k) Other – to be agreed

EXCLUSIONS

a) Fishing/Boating > wear & tear of consumable items;

b) Diving > natural wear & tear of rubber or neoprene materials;

c.i) Firearms etc > Use of incorrect, faulty or overloaded ammunition, wear & tear of barrel rifling, firing pin and trigger mechanism;

c.ii) Air rifles/guns > wear and tear of springs/bushings
c.iii) Bows > wear & tear,  overuse of components and projectiles i.e. bow strings/cords/ arrows/bolts and technical heads;

d) Camera/Optical > usual section exclusions apply

e) Parachute/Para – sails > wear & tear of chute material, parachute/sail cords and struts;

f) Peddle cycles > wear & tear of brake cables/pads, cycle chains, spokes or tyres/inner tubes;

g) Bikers – kit > wear and tear of apparel and accessories;

h) Canoes/Paddle skis > loss of paddles, oars and safety lines;

i) Removable Off – Road vehicle accessories > usual section exclusions;

j) Camping/Caravanning> usual section exclusions.

k) Other items to be more specifically agreed for cover.   

For pleasure, social & leisure purposes including taking part in deep sea angling competitions and/or organized/supervised regattas within the maximum range of 50 nautical miles from the shore of territories covered under the policy.

POLICY DOCUMENTS

frequently asked questions

Yes, providing the vehicle falls within the qualifying parameters. It must be postproduction 2005, have an insured value in excess of R100 000 and a ground clearance of 170mm+. The vehicle can only be insured on a fully comprehensive basis! Cover is for private and/or business and/or professional purposes as selected by the client.

True-Grit does not cover the above for reasons that are either complex from an indemnity point of view or  are too risk intensive.

No, True-Grit is a specialised niche’ product and caters only for 4X4’s as a primary vehicle and then property which is intended for recreational outdoor use.

True-Grit has special extensions which provide a much wider scope of cover than conventional insurance.

True-Grit will pay up to 15% of the vehicle insured value, to bring your disabled vehicle back to RSA from a  foreign territory, including its towed   units. We will pay a contractor to  execute the recovery back to RSA on the client’s behalf!

True-Grit has repatriation sub-extensions which provide for:

  • Cost of a one-way return trip per vehicle occupant by road or air;
  • 3 days temporary accommodation in the territory for vehicle occupants during the repatriation process;
  • Temporary vehicle hire for 3 days during the repatriation process.

The client must pay the associated costs up-  front and will be reimbursed either all   or part of these costs on his return to RSA and following submission of a claim.

True-Grit has a 3 month “on risk” requirement before the Repatriation clause can be utilized and each cross border excursion is limited to 6 weeks.

True-Grit is flexible and for an additional premium is able to waive both these requirements.

There is a requirement that the client must have undergone an off-road driver instruction course with an accredited instruction centre and have certification to this effect before the vehicle can be insured for full off-road use.

True-Grit “tag line” is TAR, TRACK & “BEYOND” TRAIL. People who are unfamiliar with 4×4’s in general need to know about the systems, dynamics and applications thereof whilst driving in off-road environs. Off-road driving can be as safe or equally as dangerous dependent on the driver’s knowledge and ability. A lot of people who own 4×4’s will never have the need to drive their vehicle OTHER than in 4×4 high range.

 In order to go beyond gravel or dirt road people need instruction in how to negotiate varied obstacles that can be encountered, in low range.

  • Whenever a person finds himself in a situation where he needs to drive other than on Tar or Track or Man-made trail. For instance, driving in soft sand conditions such as “beach, dry riverbeds or dune traversing;
  • Thick mud conditions;
  • Water wading as in through rivers & watercourses and surf launching of boats;
  • Traversing over irregular rock structures/ uneven features, soil erosion areas, steep soil or rock ascents or descents, side angle driving;
  • As important the person must know about “line of approach”, “approach angle”, “break over angle”, “departure angle” and “higher center of gravity” and how these can best be used to the driver’s advantage whilst off-road traversing.
  • And where it is necessary for the driver to have the skill and ability to use the vehicle’s low range or differential locks applications and how to affect a recovery of a vehicle when stuck or disabled.

Not the enduro speed events and rallies such as the Roof of Africa, Desert 15 000, Paris to Dakar! However, the client can take part in 4×4 club organized challenges which are properly supervised and marshalled.

Most certainly, we specialize in this field!

Yes however (not standard sedans) and yes, we cover, vehicles which have differential lock.

The following can be covered: towed units comprising of caravans, camper and utility trailers (on & off-road varieties), Adventure/Tourer/Cruiser motorcycles, QUADs/ATVs and Golf carts.

  • Vehicles with values over R250 000 – require an active early warning tracking device;
  • Vehicles over R100 000 must have an accepted immobiliser device;
  • The insured must maintain a contract.

The vehicle will still be covered   however in the event of theft/removal by force an excess of 10% of claim will be applied.

No, we accept devices supplied by all the industry recognized installers.

As mentioned most movable property intended for use recreationally and in outdoor environs. So this would include small-craft and associated machinery up to R1.5 M in value, including for inland and seaborne use! Portable Outdoor Property including Scuba Gear, Fishing Equipment, Firearms for hunting and sport-shooting, pedal cycles, camping equipment, non-motorised water craft, non-motorised aerial devices, photographic & optical equipment, bikers gear and so on.

Most certainly and what’s more the portable outdoor property is covered “whilst it is in use”.

True-Grit is specifically designed for members of these groups:

  • Members of SA Hunters for instance can cover their 4×4, caravans, trailers, camping equipment and firearms at preferential rates.
  • Members of Deep-Sea Fishing clubs can cover their 4×4, boat, trailer, fishing tackle and boat equipment at preferential rates.
  • Members of 4X4 Clubs.
  • The True-Grit product can be packaged in a beneficial way literally for members of any recreational outdoor oriented body.

True-Grit is constantly being enhanced. Clients can now pre-purchase travel insurance and Mozambique Compulsory Motor Third Party Liability Insurance off our web-site.

A client will typically bundle his 4×4, off-road caravan, Mountain bike and photographic equipment under his specific True-Grit policy.

With all the features, True-Grit is most certainly affordable, and the deductibles are acceptable by industry standards. True-Grit is adaptable and flexible’, our objective is to provide solutions.

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