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4x4 Insurance

Your 4X4 is no ordinary vehicle, so don’t give it an ordinary cover. Get affordable 4X4 Insurance quotes tailored specifically for your off-road vehicle with Budget.


Comprehensive 4X4 Vehicle Insurance


We offer only the most comprehensive cover for the most comprehensive vehicles, like your 4X4. This means when you accept a 4X4 Insurance quote, you get cover for any accident damage, theft, and third-party damage, and cover for a few extras on top of that, including: 

  • Up to R10 000 for standard accessories (excluding sound system) fitted to the vehicle

  • Reprogramming of the anti-theft system and cover for the vehicle’s keys if they are lost or damaged

  • The spare wheel if it’s stolen with the vehicle

  • The vehicle’s factory-fitted cellphone car kit

  • The windscreen

  • Spare wheel cover

  • The option to increase your Third-Party Liability Cover to R5 million, R10 million, or R20 million


If you want even more extras and goodies, you can choose to add the following to your policy: 

  • Sound system cover

  • Vehicle canopy cover

  • Up to R50 000 cover for standard accessories (excluding sound system) fitted to the vehicle for an additional amount

  • Hail damage cover

  • Car hire 


Also, just because you like to explore the world in your 4X4 doesn’t mean you shouldn’t have the same cover when you cross South Africa’s borders. We’ll insure your vehicle’s adventures in Kenya, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Zambia, and Zimbabwe.


Assist benefits


It isn’t comprehensive insurance if it doesn’t come with comprehensive assist benefits too, right? Here are all the extra benefits that come standard when you get 4X4 Vehicle Insurance:


Roadside Assist

  • Towing and storage: If you’re in an accident, we’ll tow your vehicle either to storage or to the nearest approved repairer and pay for the reasonable costs of this. Make sure to call our dedicated tow line number so we can be sure we get the right people to tow your 4X4.

  • Basic assistance: Run out of petrol? Burst a tyre? You can count on our roadside assistance to come to your location to help get you on your way again.


Medical Assist

  • Emergency assist line: If you have a medical emergency at any time of the day or night and need urgent medical advice, you can call our dedicated line to get help from trained professionals.


Legal Assist

  • Basic legal services: We have a team of qualified legal professionals who can help draw up legal documents, assist with courtroom prep, and offer expert advice.

  • Tax assistance: Submitting your personal income tax is a breeze with our qualified tax experts. Just send them your relevant documents and they’ll take care of the rest, making sure you’re compliant and submit your tax on time, every time.


4X4 Vehicle Insurance quote


Start your 4x4 Vehicle Insurance quote online today to find out just how affordable our Off-Road Insurance is. You can even adjust your monthly payments and excess amounts to suit your own budget. 

If you prefer to speak to one of our professional consultants, give us a call on 0861 00 13 53 and we’ll help you find an Off-Road Insurance quote you can afford, ‘cos you can’t afford not to!

4x4 Insurance includes:

  • cover of up to R10 000 for standard accessories (excluding sound system) fitted to the vehicle
  • reprogramming of the anti-theft system, and cover for the vehicle’s keys, if they are lost or damaged
  • cover for the spare wheel, if stolen with the vehicle
  • cover whilst driving in Tanzania, Angola, and Zambia, as well as the other geographical limits we usually cover (refer to policy book)
  • cover for the vehicle’s factory fitted cellphone car kit
  • cover for your windscreen
  • the option to increase your Third Party Liability Cover to R5 million, R10 million, or R20 million

Additional cover offered with Budget’s 4x4 Insurance policy:

  • sound system cover
  • vehicle canopy cover
  • spare wheel cover
  • car hire cover (as long as your claim is valid)

Terms and Conditions apply. Click here for more information.