Gearing up for a 4x4 escape?

Tarina Vlok, Managing Director at Elite Risk Acceptances

What to know before you go

South Africa's diverse landscapes make it a paradise for 4x4 enthusiasts of all levels. The iconic Sani Pass in the Drakensberg is a challenging ascent that connects KwaZulu-Natal to Lesotho, delivering breathtaking views and an adrenaline-fueled adventure. In the Northwest, Limpopo, Free State, and Mpumalanga, wilderness trails featuring rocky inclines, river crossings, and sand or mud, range from quick routes to multi-day expeditions. Coastal provinces like the Western Cape, Eastern Cape, Wild Coast and KwaZulu-Natal boast diverse terrains, from sandy beaches to dense forests and rugged mountain trails, where drivers may encounter rain, and steep, rocky challenges. “But these wonderfully rugged terrains also expose vehicles to a range of potential damages or incidents that may or may not be covered by insurance,” says Tarina Vlok, Managing Director at Elite Risk Acceptances, a high-net-worth insurer and subsidiary of Old Mutual Insure.

In the piece below Vlok talks about what 4x4 adventurers need to know about their vehicles and insurance before tackling thrilling trails during the summer holiday season. She also explains why many insurers exclude perils that happen on trails graded 4 and 5, and a quick guide in understanding trail classification. She also gives some tips on what to know before you go.

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As South African outdoor families continue to celebrate the summer holidays, 4x4 enthusiasts may be preparing to have off-road adventures, from, for example, the rocky trails of the Baviaanskloof to the iconic switchbacks of Sani Pass.

According to Tarina Vlok, Managing Director at Elite Risk Acceptances, a high-net-worth insurer and subsidiary of Old Mutual Insure, while exploring rugged terrain is thrilling, it often comes with heightened risks.
“Before you set off, it’s important to understand that not all damages associated with off-roading may be covered by insurers, particularly if these happen to your vehicle while on Grade 4 and 5 trails,” says Vlok.

Common issues include suspension and undercarriage damage caused by uneven surfaces, hidden rocks, or debris. Collision with wildlife on a mountain trail causing front-end damage or other issues is also likely. Rollovers caused by steep inclines or uneven ground is also a possibility, especially if the driver loses control. Water crossings pose another challenge, potentially causing engine hydrolock or electrical failures. Getting stuck in sand, mud, or water is a common occurrence on 4x4 adventures, leading to costly recovery efforts. While some policies include towing and recovery costs, this is often an optional add-on or part of specialised 4x4 insurance packages.

“Typically, standard policies require an additional premium for 4x4 cover - which usually includes some increased extension limits, expanded territorial limits, and additional extensions like winching equipment – however, it is often best to speak to your insurer before you head off to understand your unique exposure to risks,” says Vlok.

She says that specialist insurers may already provide insurance for 4x4 trails if the vehicle is comprehensively insured, however they are likely to require that any modifications to a vehicle must be disclosed for underwriting purposes to ensure accurate cover.

“Trail grading plays a key role in determining the difficulty of a route and the level of preparation required,” she says, adding that some insurers may not provide cover if things go wrong on a trail graded at levels 4 or 5. “If you’re planning to take on these extreme routes, consult your broker or insurer first.” Below is her quick guide to understanding what this entails:

• Grade 1: Easy trails suitable for beginners and vehicles with good ground clearance.
• Grade 2: Moderate trails that require basic off-road skills to navigate uneven terrain.
• Grade 3: Challenging routes demanding a 4x4 with a low-range gearbox and technical expertise.
• Grade 4 and 5: Reserved for advanced drivers, featuring steep slopes, rocky terrain, and narrow passages requiring specialised vehicles and skills.

Below are Vlok’s top tips for off-road enthusiasts:

1. Vehicles with 4x4 ability can be costly to repair or replace. Make sure your policy covers the full value of your vehicle to avoid leaving you out of pocket.
2. If your 4x4 has modifications or add-ons, disclose these to your insurer.
3. Off-roading can leave you stranded in remote areas. Check if your insurance includes towing and recovery services for off-road locations and specialised equipment needs.

“For happy outdoor travels, preparation and caution can go a long way to help you enjoy your adventures confidently and responsibly," concludes Vlok.