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4x4 Insurance

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Cash Back


Simply add the Cash Back Bonus to your Budget Insurance policy and if you remain claim free for two years, we’ll reward you by giving you money back.


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Comprehensive 4x4 Insurance Benefits



Towing and Storage Benefits


You get our Accident Assistance benefit which includes access to trustworthy towing after an accident.  



Assist Benefits

We’ll pay to reprogramme the anti-theft system on your vehicle if it’s stolen and replace the keys if they’re lost, stolen, or damaged.


Comprehensive Cover


For a small additional monthly fee, you can add hail cover (this is automatically included for financed cars), sound system cover, canopy cover, and vehicle hire to your policy.


What Is 4x4 Insurance Cover?

Your 4x4 is no ordinary vehicle, so don’t give it ordinary cover. Get affordable 4x4 Insurance quotes that will help keep your budget on track and your vehicle off-road.

4x4 insurance in South Africa is very different to regular car insurance in many ways. Off-road vehicles are made to travel where others don’t – something adventurous South Africans love to do. That’s why we’ve created an Off-Road 

This comprehensive 4x4 Insurance plan includes cover against theft, accidental damage, to your off-road vehicle. We also give you generous third-party liability cover in case you’re held legally liable for damage done to a third-party's vehicle with your vehicle. 

All of this doesn’t only apply to South Africa. You can enjoy the same cover whether you’re driving in Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Zambia, and Zimbabwe.

In addition to our standard cover, you can add a bunch of extra goodies to your policy. Why not upgrade the automatic R10 000 standard accessories cover to R50 000 for a small additional monthly fee?

And don’t forget about the suite of Assist Benefits we offer, including Accident, Breakdown, Medical, and Legal Assistance.

Your off-road vehicle lets you tackle tough terrain and go where few others dare. Make sure you get 4x4 insurance that covers you and it for almost every imaginable risk.

With Off-Road Insurance quotes that don’t break the budget, why would you look anywhere else to cover your 4x4? 

Ready to Budget?

Get Covered Today.

Save up to R340pm* with us!

Frequently Asked Questions


What is a 4x4 vehicle?

To make sure you’re getting the right cover for your vehicle, it’s important to know what types of cars qualify as 4x4 or off-road vehicles. We consider any four-wheeled vehicle that has four-wheel driving, dune driving, and trail driving capabilities to be a 4x4 vehicle. Basically, if it can handle terrain that isn’t a private or public graded road, it will probably be covered under our Off-Road Insurance.

What cover do you offer me outside of South Africa?

We’ll cover your 4x4 in certain countries outside of South Africa for theft, accidental damage, third-party liability. Basically, you can still enjoy all the same comprehensive cover while you’re exploring the rest of the continent. The countries outside South Africa you’re still covered in are Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Zambia, and Zimbabwe. However, note that we don’t offer Accident or Breakdown Assistance outside of South Africa. 


What isn’t covered under 4x4 Insurance?

There are a few instances where we won’t insure your 4x4. For example, if you drive under the influence of drugs or alcohol, we won’t pay out if you have an accident. Similarly, you must have a valid driver’s licence to use your off-road vehicle and it must be in a roadworthy condition. We also only insure 4x4s used for pleasure and domestic purposes. So if you use it for business, such as by hiring it out, you’ll need to take out business insurance.


Is it more expensive to insure a 4x4 vehicle?

4x4 insurance is almost always more expensive than standard car insurance. This is for a number of reasons. 4x4 vehicles are more likely to be driven off-road, making them more prone to accidental damage. Also, because off-road vehicles are bigger and heavier, they’re likely to do more damage to a third-party’s property in an accident. In addition, 4x4 insurance in South Africa must factor in the higher risk of theft for these kinds of vehicles. Finally, off-road vehicles often have high-end specs, which makes them more expensive to repair if they’re in an accident.


What accessories do you cover under your 4x4 Insurance?

We cover a number of standard accessories under our Off-Road Insurance. These include tyres, the spare wheel if it’s stolen with the vehicle, factory-fitted cellphone car kit, windscreen, bumpers, and more.

The sound system is not included in the standard fittings and accessories we cover. However, you can add this to your policy for a small additional monthly fee. You can also add the vehicle’s canopy and spare wheel to your plan.


Other Car Insurance Products


Caravan Insurance


Your caravan has given you countless precious memories from family holidays. Give it the cover it deserves with our Comprehensive Caravan Insurance.


Trailer Insurance


In addition to theft, accidental damage, third-party liability, our Trailer Insurance also covers against fire and explosions.


Watercraft Insurance


The pleasure of the open water can only really be enjoyed when you’ve got comprehensive insurance for your watercraft. Get peace of mind here with Watercraft Cover.

Scratch & Dent Cover


Scratches and dents might not affect how your car drives, but they sure do look unsightly. Fix them right up with Scratch and Dent Cover.

Tyre & Rim Guard 


Our roads are dangerous for your car’s tyres and rims. Get Tyre and Rim GuardInsurance today and we’ll repair your damaged wheels if you hit a pothole.

Auto Top-Up


If you still owe money on your car if it’s written off or stolen, Auto Top-Up Insurance will cover the outstanding balance after your car insurance payout.

Motor Warranty


With our Motor Warranty, you can take your car to a reputable repairer if it suffers any mechanical or electrical faults.