Summary of extensions and benefits automatically included into TUFFSTUFF

  • Full Airborne Medical evacuation by qualified medical personnel while outside RSA back to the RSA, limited to R 250 000 per person and a maximum of R 1 000 000 for any one claim.
  • Repatriation of the vehicle and its occupants, back to RSA following an accident or theft or mechanical or electrical failure of the vehicle whilst outside the RSA but inside any of those countries mentioned above but excluding Angola. Repatriation of vehicles from Angola will be conducted from the Namibia / Angola border only. Cover is limited to R 100 000 for any one claim. This extension excludes hotel accommodation.
  • The standard territorial limits – Africa, south of the equator, including the whole of Kenya.
  • Guaranteed admission to top clinics / hospitals in RSA of passengers of the insured vehicle following medical emergency evacuation ? Limited to R 20 000 per person to a maximum of R 80 000 per occurrence.
  • The standard territorial limits – Africa, south of the equator, including the whole of Kenya.
  • International Legal Assistance cover up to R 75 000.
  • Vehicles insured on an agreed value basis for a period of 3 years.
  • Comprehensive cover including Social, Domestic, Private, Professional and Business use (excluding hired out vehicles). Business use is subject to conditions.
  • Car Hire Cover is included following a claim under the policy up to an amount of 0.1% of the vehicles sum insured per day, but no less than R265 (group “B” car) per day and not more than R 650 per day with a maximum of 75 days cover, but, limited to a total amount per claim not exceeding R 20 000.
  • Third party and passenger liability is covered up to R 10 000 000 (excluding hired out vehicles).
  • Credit shortfall cover is included.
  • Difference in conditions cover included.
  • Personal Accident Cover up to an amount of R 35 000.
  • All risks cover is included in respect of your motor vehicle radio, limited to R 10 000.
  • Mechanical and Electrical derangement of winching equipment following recovery of the insured vehicle is covered to a limit of R 20 000 for any one claim.
  • Loss of Personal Documents. The extension is limited to an amount of R 20 000.
  • Loss of keys to the insured vehicle is covered. The extension is limited to an amount of R 20 000.
  • Airborne assistance whilst outside RSA but within the territorial limits in respect of mechanical and electrical derangement including the failure of immobilising systems and security devices thus rendering the vehicle immobile is covered. Cover is restricted to the cost of airborne technical assistance and additional labour costs. The normal/standard labour cost as well as the costs of spares is for the insured's account. The limit is R 40 000 per incident.
  • Full off?road use (excluding competitions governed by time) in any of the aforementioned countries.
  • Emergency repairs whilst outside the RSA is limited to R 20 000 following an accident.
  • Trauma treatment following hijacking of the insured vehicle limited to R 10 000 per occurrence.
  • Emergency accommodation whilst outside the RSA limited to R 20 000 any one incident and to R 1000 per person per night.
  • Replacement of the insured vehicle following a total loss within the first 12 months of registration and provided that it has done less than 30 000km, subject to indemnity limit. 


  • No Theft or Hijack excess applicable where approved Tracking System has been installed.
  • No additional excess in respect of the age of the driver.
  • All repairs carried out by authorized repairers only.
  • An efficient and high level of service to clients.
  • No electronic voice answering systems or general call centre.
  • Dedicated staff with identified client portfolios under individual responsibility – you know who to talk to.
  • You can extend this product to include all lifestyle cover such as:
    • Mountain & road bicycles.
    • Quads & off-road motor cycles.
    • Boats & jet-skis
    • Camping & fishing gear
    • And much more.

The above information is for ease of reference only. Policy conditions will always prevail in the event of a claim.