Heading off on a road trip beyond South Africa’s borders? Here’s what you need to know about how your car insurance applies when you’re exploring neighbouring countries. 

Whether you’re planning a scenic drive to Namibia, a safari adventure in Botswana, or a business trip to Zimbabwe, understanding your car insurance is a must. Here’s how to make sure you’re covered, wherever the road takes you. 

1. Is the country you’re visiting covered by your policy? 

Most South African car insurance policies offer coverage in neighbouring countries such as Namibia, Botswana, Mozambique, and Zambia. However, this doesn’t mean you’re fully covered by default. Insurers often impose time limits on how long your car can be out of the country, so double-check your policy before you pack the car. 

Tip: Contact your insurer to confirm the countries they cover and any restrictions that might apply. 

2. Is your insurance sufficient for the destination? 

Every country has different laws and risks, which could impact the type of cover you’ll need. Here are some key considerations: 

• Accidental damage and theft: Comprehensive cover isn’t always legally required, but having it can save you from massive expenses if your car is stolen or damaged. 

• Third-party liability: In many neighbouring countries, such as Zimbabwe, Mozambique, and Namibia, third-party insurance is mandatory. This covers damage or injury you may cause to others and is often not included in South African policies once you cross the border. 

• Where to get it: Most border posts or outdoor stores (like Outdoor Warehouse) sell third-party liability cover. 

3. What happens if you break down? 

Breaking down in a foreign country can turn into an expensive headache. Typically, South African insurers require you to tow your car back to the border at your expense before they’ll take over. Towing services can be pricey and aren’t always easy to find, so it’s wise to prepare for this possibility. 

Pro Tip: Check whether your insurer partners with any roadside assistance services that operate across borders. 

4. Policy pitfalls to look out for 

Keep an eye out for these common exclusions or limitations in cross-border insurance policies: 

• Civil unrest exclusions: Cover may not apply if you’re travelling to a country experiencing political instability. 

• Time limits: Many insurers specify how long your car can remain outside South Africa. 

• Business use: Using your car for work purposes in another country might not be covered. 

5. Your cross-border checklist 

Before you hit the road, make sure you have the following: 

1. Policy review: Double-check your insurance cover and any limitations. 

1. Cross-border letter: Get this from your insurer – it should outline the dates and destinations of your trip. 

1. Third-party liability cover: Buy this at the border if your insurer doesn’t provide it. 

1. Mandatory equipment: Some countries require a reflective vest and triangle in your car. 

1. Registration papers and bank letter: Ensure your car’s documents are in order, especially if it’s financed. 

1. Stickers and permits: Some insurers or countries may require specific stickers on your car. 

1. Driving documents: Carry your passport, driver’s licence, and possibly an international driving permit. 

Being prepared is the key to a smooth and stress-free cross-border adventure. By ensuring your car insurance is in order, you can focus on making memories, not dealing with paperwork or unexpected costs. 

Ready to plan your trip? Make sure your car insurance is up to the task. Check out Naked Insurance for straightforward cover and peace of mind.