MOTOR

We have 3 vehicle insurance products to choose from. Each product has been designed to cater for you the 4X4 owner’s individual profile and specific needs. The motor products are as follows:-

ALL TERRAIN POLICY

This caters specifically for the active outdoor person and allows the client extended travel into Africa with repatriation benefits, emergency medical assistance including into territories, full off-road utilization of the vehicle, cover whilst you surf launch your ski boat, amongst various other beneficial extensions and is CXC’s complete 4X4 insurance product.

The cover automatically includes alternate vehicle hire following accident and total loss as a result of write-off and theft. The hire vehicle is automatically a group B car, however there is an option available for the client to rent a 4X4 at a higher premium.
Our definition of OUTDOOR activities extends to camping, hiking, climbing, photography, hunting, fishing, scuba diving, parachuting, parasailing, canoeing, paddle skiing, off-road trailing, sailing, Quad biking, jet skiing, ECO travel amongst many other activities.

BASIX

This caters for the less adventurous individual who is a suburban 4X4 owner.
The package is an intermediate policy between a conventional comprehensive motor comprehensive insurance policy and the ALL TERRAIN package and still allows travel to territories bordering RSA and Mozambique up to the northern parameters of INHAMBANE province with limited repatriation and vehicle off-road application.

In effect the cover restriction relates to territories lesser repatriation cover, no medical emergency assistance and alternate vehicle hire following accident or vehicle write-off is OPTIONAL.

In addition the cover is limited to vehicles owned by the private individual and excludes use of the vehicle for commercial utility purposes. Single cab 4X4’s and 4X2’s cannot be insured under the BASIX package. CXC can insure the double cab 4X4’s and 4X2’s and obviously the station wagon type SUV’s.

FARMERS 4X4 PRODUCT

CXC have identified that a special 4X4 motor insurance policy is required by the farmer. Invariably the farmer can own a number of different 4X4’s over and above his utility vehicles’ used mainly on the farm. CXC are able to insure all the farmers off-road capable vehicles other than the farmer’s tractors and specialized farming implements. CXC categorize the farmer as an outdoor person by virtue of what the farmer does which more often than not includes hunting as well as fishing as the farmer’s recreational pursuit.
What else can CXC insure?

~ ANY MAKE OF QUAD BIKE including ON/OFF ROAD and OFF ROAD motorcycles – territorial limits extend into Africa. CXC prefer the utility QUADS in the Yamaha RHINO range and our rates for these are more competitive than for the conventional QUADS.

~ ANY MAKE OF CARAVAN & TRAILER (ON ROADER’S AND OFF-ROADER’S) with automatic extended territorial range to all the countries covered under the ALL TERRAIN PACKAGE, including repatriation.

~ ALL RISKS INSURANCE ON SPECIALISED OUTDOOR APPARATUS and EQUIPMENT on a worldwide basis including but not limited to:

CXC maximum single item limit is R35 000. An excess of 10% of claim minimum R250 applies to all items denoted *. The other items are free of excess.

~ SMALL CRAFT including

# Power boats, bass boats, semi rigid craft, ski boats and jet skis up to a maximum value of R2 million and a third party liability up to R2,5 million.
Seabourne use out to 50 nautical miles off the South African, Namibian, Mozambique, Tanzanian and Kenyan coastlines.

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