About the 4x4 cover

If you love travelling to unspoilt beaches, the remote bush, or majestic mountain passes, we've got you covered.

Our 4x4 Overland cover extension is specifically built by 4x4 owners for 4x4 owners. Keeping in mind the terrain these vehicles were designed to explore.

Personal 4x4 cover

Make more memories and worry less on your next off road adventure with your family and friends in your personal 4x4 vehicle.

Business 4x4 cover

is your 4x4 insured on your business policy? No problem! This cover is intended for 4x4 vehicles insured on a business policy, but is used personally by the owners or directors of the business when travelling off the beaten path.

In addition to your comprehensive vehicle insurance, your cover is extended to include:

Terms conditions and cover limits are applicable.

Extended Cover

Cover off the beaten path on any 4x4 trail, track or pass.

Emergency repairs

You can authorise emergency repairs to your vehicle to keep you going.

Winching equipment

Cover for accidental mechanical or electrical breakdown or failure of your winch.


We cover your head, tail or spot lights including light bars.

4x4 accessory cover

Accidental damage to canopies, roof racks, bull bars, nudge bars and roll bars included even if they are not specified as extras.

Your 4x4 keys

You are covered for lost or stolen keys.

Mechanical breakdown towing

Cover your tow if your vehicle breaks down in the middle of somewhere.

Emergency medical expenses

If you are involved in an accident, we provide cover for medical expenses incurred for you and your family.

Emergency car hire

If you are involved in an accident and your vehicle is not drivable, we will cover the costs to rent a replacement vehicle for 5 days.

Repatriation costs

We cover additional costs to return your vehicle to RSA following an accident.

Wreckage removal

If you are involved in an accident, we will pay for wreckage removal and debris clean-up.

Extinguishing costs

We cover costs incurred to extinguish a fire where your vehicle is at risk.

Emergency lodge accommodation

If you are involved in an accident or your vehicle is stolen, we will pay for 2 nights lodge accommodation for you and your passengers.


We cover the costs to replace lost or stolen identity, passport, visa or vaccination documents..

More memories, More peace of mind

Vilanie Viljoen

"Amazing service and the BEST price by far... Thank you, Angelique, your service is top shelf"

Makhadzi Thukhutha

"Best insurance ever. Called them for assistance and the response was out of this world. Please remain the best"

Gideon Liebenberg

“Luckily we are covered through Hybrid Risk Management, who never forgets us and never forgets to provide a service with a smile and resolve Claims quicker than the Flash."

David Bezuidenhout

“Outstanding service! I just want to give a massive thank you to you guys. From getting my policy sorted out before I even moved over, all the way through to my first ever claim after an unfortunate accident."