How much are people paying for 4x4 insurance?





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  1. #1
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    Default How much are people paying for 4x4 insurance?

    How about a list of what we are paying for our 4x4 insurance?
    Then we can all get an idea of what we are paying and what we COULD be paying?

    Vehicle: 2012 Toyota hilux, 4.0 D/C heritage edition.
    Claims: no claims
    Start of policy: nov 2009 (old hilux)
    Tracker: Neotrac R126 p/m
    Premium: R918.32
    Insured amount: R405k + R11k extras
    Last edited by lloydbengtson; 2013/02/25 at 09:22 AM.

  2. #2
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    What's a Heritage Edition? Is it 2x4?

  3. #3
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    A 2x4 is a PLANK, Neil

  4. #4
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    I'm sure that I saw Heritage Edition written on the back of a HiAce the other day.

  5. #5
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    Age 29, location Durban.....

    I'm paying just under R600 for full offraod 4x4 cover for SWAMBO's Tuna
    Age 34, location Cape Town.

    The woman told me that it is mainly because the theft risk is very much lower down here.
    To argue with a person that has renounced the use of reason is like administering medicine to the dead. ~ Thomas Paine

  6. #6
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    2013 Fortuner 3.0d4d 4x4
    R1078 premium.
    No excess.
    No tracking device required.
    Full off road cover in all countries south of the equator.


    Sent from my GT-P5100 using Tapatalk 2
    Currently own: 2018 Ford Ranger 3.2 TDCI A/T 4x4 Double Cab XLT

    Then followed a 2009 Toyota Prado 4.0V6 (Nice car), after which a 2008 Pajero 3.8 V6 SWB followed (which I will forever miss)
    Fourth 4x4: 2013 Ford Ranger 3.2 TDCI 4x4 Manual double cab
    Third 4x4: 2013 Toyota Fortuner 3.0 D4D 4x4 Manual
    Second 4x4: 2010 Mitsubishi Triton 3.2 Manual 4x4 Double Cab
    First 4x4: 2010 Nissan NP300 Hardbody 2.4 4x4 D/C

  7. #7
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    2006 Pajero 3.8 V6 GLS LWB

    Premium R236.80

    Insured amount R236.800

    No excess.

    Tracking device required.
    Andre Botha
    2006 Pajero 3.8 GLS LWB, Gomad bash plates. Monroe Adventure shocks.

  8. #8
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    2007 pajero gen4 glx R480p/m

  9. #9
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    Remember that there are several factors that will determine the value of your vehicle. Some of these include:

    1. The type of vehicle and its risk profile
    2. Your age
    3. How long you have had your driver's licence
    4. Your previous insurance and claims history (uninsured losses are also a factor)
    5. The area where you stay (where the vehicle is kept)
    6. The use of the vehicle
    7. Parking arrangements for the vehicle
    Other factors to consider are whether your broker (assuming you use one) places all their business with a single Insurer or underwriter, or whether they use a number of different Insurers.

    Also keep in mind that some Insurers will not only base your rate on your and your vehicle's risk profile, but also on the profile of your broker (brokers with better loss ratios and bigger portfolios may get better rates). How hard your broker negotiates (fights) for a better rate is also
    a factor.
    Erin Bosch (082 342 1909)
    4xfagger no. GP0048



    2001 Land Rover Defender 130 TD5 D/C with everything

  10. #10
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    the other thing to remember is that the real cost of insurance is only realised when you have to claim...

  11. #11
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    Mossel Bay
    Age 27

    Triton 2008 3.2 CC 4x4
    R705.74

    BMW X3 2006 2.0d
    R692.00

    4x4 insurance.
    Jeep Wrangler TJ
    Volvo XC60
    Amarok AWD

  12. #12
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    Vehicle: 2008 Daihatsu Terios 4x4
    Insurer: TS
    Claims: no claims
    Start of policy: December 2012
    Tracker: None
    Premium: 480pm
    Alex
    2012 Mitsibushi Triton

  13. #13
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    Jeep Grand Cherokee 5.7L V8 Hemi, full business insurance for R749.00

    Insured through Indwe risk, and business and household all through them, underwrited by Mutual & Federal.
    Isuzu KB300 D-teq auto 4x4 D/Cab
    1996 Nissan Patrol.........To be continued!!

    Andre Thuynsma

  14. #14
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    2008 Fortuner 3.0d4d 4x4
    R750 premium.
    Insured amount R236k
    No excess.
    No tracking device required.
    Full off road cover in all neighbouring countries.
    FJC - Just Cruising

  15. #15
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    Vehicle: 2008 Nissan HArdbody 3.0td 4x4 d/c
    Insurer: Outsurance
    Claims: no claims
    Start of policy: nov 2010
    Tracker: Tracker -R75 p/m included in premium
    Premium: R880

    Moving to Tuff stuff soon for R720p/m

  16. #16
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    Mmmmmm. Plenty of insurance companies would love to see this thread with many many posts.

    I can't remember offhand what I pay for my TuffStuff insurance but it by far the cheapest insurance I have ever had and by far the best service on top of that.

    I don't think I will do my yearly shopping for cheaper quotes again. I'll just stick with TS!

  17. #17
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    2009 Suzuki Grand Vitara 3.2 V6
    R725
    Tuffstuff
    Insurance amount: R285000
    No Excess
    CTrack R99


    Yesterday I got a quote from Outsurance (Because I want R400 ) They quoted me R1903 for the GV Their crazy!!!
    2015 Isuzu KB250 D/C 4x4 LE - Mine / 2009 Suzuki Grand Vitara 3.2l V6 Auto - Hers



  18. #18
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    2001 Isuzu Frontier 4x4 "280" LX
    R380
    Alex forbes
    Insurance amount:R 82000
    No Excess
    Claimed before and had no pains, was very simple.
    age 31, JHB, and dont require tracking. 4x4 activities coverd and cross border cover.
    __________________
    '01 Isuzu Frontier LX 4x4 Diesel8) - For the brown Stuff
    '14 Renault Sandero 900cc Dynamique, small with a big heart

  19. #19
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    2012 Jimny
    R864
    no excess
    1 previous claim - stolen spare wheel
    age 23
    insured amount 192 000
    factory or equivalent tracker\mobiliser
    Ed
    It's not leaking oil, it's sweating power

    2004 LR Defender 110 Hardtop TD5 - Current
    2015 Suzuki GV Dune - Current (40mm Lift) - SWAMBO
    2012 Opel Corsa OPC - EX
    2012 Suzuki Jimny - EX
    HID Xenon lights, DIY Drawers, Goodyear AT\SA, Rear LED cabin light, StofPad T-Case Protection, 32mm Wheel Spacers, Escape Gear Seat Covers, Burnco Bumper, 8" TNT Subwoofer, 1500w 4ch Amp, 4x4" mids, Sony N1BT Android Double Din Head Unit
    2002 Isuzu KB300 4x4 - aka "ou lang pad" sold with 450 000km- EX

  20. #20
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    2006 Hilux 4.0 4x4 D/C with R40,000 extras specified on TuffStuff policy. Moved from M&F last year - Besides a windscreen, I never claimed during the 25 odd years with M&F.

    I have excess waiver (age = 48 ) and the premium with TuffStuff is R551 pm for the Hilux which includes the specified items for R40,000 - no tracker. Although the monthly premium on the Hilux was slightly less with M&F, I did not have excess waiver nor were the extra's specified. The overall premium for house, 3 vehicles, bike, off-road caravan etc. is less with TuffStuff. I suppose one also need to take into account the portfolio you insure as this would surely be different to someone insuring only his 4x4 for example.
    Michael (Kooskop) My naam is NIE Koos nie..
    Toyota FJ Cruiser
    Bush Lapa - 1st Miskruier B8, now B192
    BMW F800GS

    When in doubt, paint it black

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