When it comes to car insurance, owners of four wheel driven vehicles have different requirements when compared to those that predominantly use their cars in urban areas. That is why various insurance companies offer special 4x4 insurance packages.

Santam, one of South Africa's leading-short-term insurers, for instance.

The company's 4x4 insurance covers things like off-road accidents and damage due to off-road driving,off-road training for the insured, x-country trials or rallies, passenger, contingency and unauthorized passenger liability, and damage to third parties for up to 2.5 million rand, trauma treatment after hijack/attempted hijack.

The Santam 4x4 insurance covers not only in South Africa, but also in other 4x4 paradises in Africa such Namibia, Botswana, Lesotho, Swaziland, Zimbabwe, Malawi, Mozambique, Tanzania, Kenya and Madagascar.
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