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  1. #1
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    Default 2024 Prado insurance cost

    I have just had a huge shock!!! I got my insurance quote from Outsurance for the VXR, insured value R1.462mil = R6000 pm less my discount down to R3400 pm!!!!! Apparently a high theft and hijack risk although none on the road yet...2 trackers required.

    My Defender insured for R1.6mil is R1173 pm no tracker.

    Just for some perspective. Time to shop around methinks!
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  2. #2
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    Default Re: 2024 Prado insurance cost

    Eina! I would definitely shop around first. But if everyone comes in similarly is the purchase even worth an almost R30k premium per annum over the ND?!
    Tyrone Ferguson

    Fortuner 4.0 V6 4x4 AT

  3. #3
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    Default Re: 2024 Prado insurance cost

    Try Naked

    My Normal Broker came in at R 2100 for my 76 2.8 and Naked came in at R 1244.00

  4. #4
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by Mypro-D View Post
    Try Naked

    My Normal Broker came in at R 2100 for my 76 2.8 and Naked came in at R 1244.00
    Re Naked: https://www.4x4community.co.za/forum...-Car-Insurance

    I have my platkar and home contets with them, but read carefully if you have a 4x4:

    You are not covered off road. Only covered on "graded roads". Not covered on a two spoor etc. I have confirmed this with them.
    Stephan G

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    "All of us get lost in the darkness. Dreamers learn to steer by the stars"

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  6. #5
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by BruceHun View Post
    I have just had a huge shock!!! I got my insurance quote from Outsurance for the VXR, insured value R1.462mil = R6000 pm less my discount down to R3400 pm!!!!! Apparently a high theft and hijack risk although none on the road yet...2 trackers required.

    My Defender insured for R1.6mil is R1173 pm no tracker.

    Just for some perspective. Time to shop around methinks!
    They are taking the proverbial.

    My Amarok and Prado insurance is on par wrt purchase price / used value.
    2022 Amarok V6

  7. #6
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    Default Re: 2024 Prado insurance cost

    Who are you with Clubbie?
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  8. #7
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by Groenman View Post
    Re Naked: https://www.4x4community.co.za/forum...-Car-Insurance

    I have my platkar and home contets with them, but read carefully if you have a 4x4:

    You are not covered off road. Only covered on "graded roads". Not covered on a two spoor etc. I have confirmed this with them.
    Oh dear!

    Thank you. I will look into this.

  9. #8
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by BruceHun View Post
    I have just had a huge shock!!! I got my insurance quote from Outsurance for the VXR, insured value R1.462mil = R6000 pm less my discount down to R3400 pm!!!!! Apparently a high theft and hijack risk although none on the road yet...2 trackers required.

    My Defender insured for R1.6mil is R1173 pm no tracker.

    Just for some perspective. Time to shop around methinks!
    I am not sure what happened in the last 2 years, but prices on car insurance went up BIG time. I am in the same boat, even after shopping around, online quotes ALL over, could not get a better price than what i am paying now. Also, check business versus personal rates, might help.

  10. #9
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    Default Re: 2024 Prado insurance cost

    1.462 / 40 800 pa

    35 years to cater for a total loss

    Makes you wonder
    Stranger

    Lusted for a Landy but the Pajero was sexier and bigger in the right departments, just like my Missus.

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  11. #10
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by Stranger View Post
    1.462 / 40 800 pa

    35 years to cater for a total loss

    Makes you wonder
    Interesting.....
    Linear math doesn't explain underwriting math.

  12. #11
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by RoelfleRoux View Post
    Interesting.....
    Linear math doesn't explain underwriting math.
    I know but it does put things in perspective somewhat. In particular, what risk is the insurer taking and do they have enough lower risk premiums from lower risk vehicles to cater for such losses. Also how much are the re insurers charging the insurers based on the book.

    I drive a Volvo, why should I subsidize a higher risk vehicle ?
    Stranger

    Lusted for a Landy but the Pajero was sexier and bigger in the right departments, just like my Missus.

    GOF Club

    2004 Gen 3. 3.8i petrol V6 (PAJTU)
    X Factor Bundutop trailer (designed by me)
    1998 Blister Fender Pajero 3500 24V (PAJ) (Sold)
    BMW R1200R

  13. #12
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    Default Re: 2024 Prado insurance cost

    Santam quoted me R2100 pm premium for 2024 Prado 250 TX. Two tracking devices required.
    Insured value R1.310m
    Excess R5000 per individual claim.

  14. #13
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by Colin2232 View Post
    Santam quoted me R2100 pm premium for 2024 Prado 250 TX. Two tracking devices required.
    Insured value R1.310m
    Excess R5000 per individual claim.
    I am paying slightly more for our 2023 Prado, insured for R1.35M.

    No excess and one tracking unit.
    2022 Amarok V6

  15. #14
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    Default Re: 2024 Prado insurance cost

    Just did a quote on the Naked app (am currently with them) on a new Prado VXL, R2056pm
    2018 VW Amarok V6 Auto 4Motion

  16. #15
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    Default Re: 2024 Prado insurance cost

    Well, I cant use Naked. Changing to Santam.

    This is the response from Naked...

    Anthony here from Team Naked!

    What is not covered:

    Using it on recognized 4x4 off-road trails (these are named and registered off- road trails which you pay a fee to drive on) or while the driver is receiving off-road training instruction at any off-road training facility, or any other driving away from a public, prepared or graded private road.

    Have an awesome day further and shout if there is anything else we can help with.

    Cheers,
    Anthony

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  18. #16
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    Default Re: 2024 Prado insurance cost

    My naked quote is R1605. Also check the terms if car is written off or stolen in first year…mmm
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  19. #17
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    Default Re: 2024 Prado insurance cost

    I guess the old saying goes, if its too good to be true

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  21. #18
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    Default Re: 2024 Prado insurance cost

    An engine, gearbox, xfer case and diffs. What costs so much? Staggering

  22. #19
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    Default Re: 2024 Prado insurance cost

    Quote Originally Posted by BruceHun View Post
    My naked quote is R1605. Also check the terms if car is written off or stolen in first year…mmm
    I guess it is a question of appetite for risk but personally I wouldn’t insure a premium vehicle with Naked or any of the smaller outfits.

    have you tried momentum, have had good experience with them before i stopped insuring directly.
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  23. #20
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    Default Re: 2024 Prado insurance cost

    I also got a quote from Outsurance for Prado 250 TX. Was R4500 and down to R3k with 2 trackers. My regular Old Mutual insurance (incl home contents and other car) R1740 with 2 trackers.
    FJ Cruiser 2012

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