TUFFSTUFF 4x4 Insurance Product
TUFFSTUFF
is a specialised 4x4 insurance product offering comprehensive cover to clients
travelling throughout Africa, south of the equator.
TUFFSTUFF – it all started around a campfire in Botswana in 1991. At the time, no specialised insurance product was
available to 4x4 owners who ventured into Africa. This is when Ream Insurance
Brokers pioneered, designed and developed the specialised off-road insurance
product as it is known in the market today. Since 1991,
there have been a number of 4x4 insurance products which have come and gone,
but TUFFSTUFF has continued to prove itself as an ongoing market leader and
innovator in the field of specialist comprehensive
4x4 insurance.
TUFFSTUFF is an insurance product that caters for everyday family
and general Urban commuting, but also includes the more adventurous use of your
4x4 when the urge grabs you. Call it what you like:
off roading, over landing, 4x4-ing, or simply going cross country, if you are
serious about the protection you want from your insurance policy then you need
TUFFSTUFF. The historical success of this product has firmly placed TUFFSTUFF
as the market leader in all aspects of outdoor lifestyle, 4x4 and all-wheel
drive vehicle insurance products.
Over
the years, Insurers have paid out many hundreds
of millions of Rands for everything from bumper-bashers to write-offs by way of
accident or theft. During this time, we have completed numerous successful
cross-border recoveries under difficult conditions and many emergency airborne
medical evacuations have been mobilised at all hours.
TUFFSTUFF
is facilitated by REAM Insurance Brokers (Pty) Ltd (FSP licence no. 1422). TUFFSTUFF
is underwritten by Western National Insurance Company Limited (FSP licence no.
9465). TUFFSTUFF is a specialised insurance product and registered trademark.
Browse the TUFFSTUFF website to learn more about TUFFSTUFF and what we offer.
Extensions included in TUFFSTUFF 4x4
Insurance
The
following extensions may be included in a TUFFSTUFF insurance policy:
- Comprehensive motor cover including
Social, Domestic, Private, Professional and Business use (excluding hired
out vehicles). Business use is subject to conditions.
- Car Hire Cover is included
following a claim under the policy up to an amount of 0.1% of the vehicles
sum insured per day, but no less than R 265 (group "B” car) per day and
not more than R 650 per day with a maximum of 75 days cover, but, limited
to a total amount per claim not exceeding R 20 000.
- Third party and passenger liability
is covered up to R 10 000 000 (excluding hired out vehicles).
- International Legal Assistance
cover up to R 75 000.
- Credit shortfall cover is included.
- Vehicles insured on an agreed value
basis for a period of 3 years.
- Difference in conditions cover
included.
- The standard territorial limits –
Africa, south of the equator, including the whole of Kenya.
- Full Airborne Medical evacuation by
qualified medical personnel while outside RSA back to the RSA, limited to R
250 000 per person and a maximum of R 1 000 000 for any one
claim.
- Guaranteed admission to top clinics
/ hospitals in RSA of passengers of the insured vehicle following medical
emergency evacuation ? Limited to R 20 000 per person to a maximum of R 80 000 per
occurrence.
- Personal Accident Cover up to an
amount of R 35 000.
- Repatriation of the vehicle and its
occupants, back to RSA following an accident or theft or mechanical or
electrical failure of the vehicle whilst outside the RSA but inside any of
those countries mentioned above but excluding Angola. Repatriation of
vehicles from Angola will be conducted from the Namibia / Angola border
only. Cover is limited to R 100 000 for any one claim. This
extension excludes hotel accommodation.
- All risks cover is included in
respect of your motor vehicle radio, limited to R 10 000.
- Mechanical and Electrical
derangement of winching equipment following recovery of the insured
vehicle is covered to a limit of R 20 000 for any one claim.
- Loss of Personal Documents. The
extension is limited to an amount of R 20 000.
- Loss of keys to the insured vehicle
is covered. The extension is limited to an amount of R 20 000.
- Airborne assistance whilst outside
RSA but within the territorial limits in respect of mechanical and
electrical derangement including the failure of immobilising systems and security
devices thus rendering the vehicle immobile is covered. Cover is
restricted to the cost of airborne technical assistance and additional
labour costs. The normal/standard labour cost as well as the costs of
spares is for the insured's account. The limit is R 40 000 per
incident.
- Full off-road use
(excluding competitions governed by time) in any of the aforementioned
countries.
- Emergency repairs whilst outside
the RSA is limited to R 20 000 following an accident.
- Trauma treatment following hijacking
of the insured vehicle limited to R 10 000 per occurrence.
- Emergency accommodation whilst
outside the RSA limited to R 20 000 any one incident and to R 1 000
per person per night.
- 24 Hour Roadside Assistance for
mechanical & electrical breakdown within the borders of RSA.
- Replacement of the insured vehicle
following a total loss within the first 12 months of registration and
provided that it has done less than 30 000km, subject to indemnity limit.
Vehicles Accepted by TUFFSTUFF 4x4
Insurance
The
following vehicles are recognised under a TUFFSTUFF insurance policy:
- Category 1 - 4x4's. This
includes four-wheel drive station wagons and double cabs of all makes, with a
diff-lock and low range option.
- Category 2 - Sport Utility Vehicles (SUV's). This includes
four-wheel drive station wagons of all makes with a diff-lock and without a low
range option.
- Category 3 - Lifestyle Utility Vehicles (LUV's). This includes four-wheel drive station wagons without
diff-lock or low range options, as well as 2x4 double cabs with a diff-lock
option.
- Category 4 - Quads and Off-Road Motor Cycles.
NOTE: TUFFSTUFF
requires that all vehicles be fitted with a VESA level 3 or level 4 immobiliser
system or a factory fitted equivalent thereof.
Areas Covered by TUFFSTUFF 4x4 Insurance
TUFFSTUFF
has the following territorial limits:
All of Africa South of the Equator but including the whole of Kenya
North of the Equator.
Additional Services Provided by TUFFSTUFF
4x4 Insurance
In
addition to comprehensive motor cover, TUFFSTUFF offers the following services:
- 24-hour roadside
assistance
- International medical evacuation
- Airborne technical
assistance
- Repatriation following
accident, theft or hi-jacking
- Emergency accommodation
- Car hire following an
accident or theft
- International legal
assistance while outside South Africa
- Satellite phone rental
Why Use TUFFSTUFF 4x4 Insurance?
Here
are a few reasons why you should choose TUFFSTUFF insurance:
1. Constant product development. Close relationships with the motoring fraternity and 4x4
community allows us to monitor developments in this field and bring about changes
to our product, thereby ensuring the most comprehensive outdoor lifestyle
policy for our clients.
2. Personal attention. We
do not run a call centre, but rather choose to deal directly with our clients
on a one-on-one basis. In so doing, we strive to develop a personal yet
professional relationship with our clients.
3. Zero outsourcing. All
aspects of the TUFFSTUFF experience are handled by our offices. From quotes and
implementation of policies through to the handling and settlement of claims.
4. Qualified assistance. Our
staff are professionally qualified and compliant with the relevant FAIS and
FICA legislative requirements.
Complete
our quick and easy contact form, and
a consultant will be in touch shortly to discuss your adventure vehicle insurance.