Posts tagged ‘4×4 Insurance’

Lucky escape as V8 Land-Cruiser in Saudi falls down a 60m well

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A regular visitor to the Arrive Alive website emailed a story of a lucky escape which we would also like to share with our readers:

“You’d think that they’d at least put up a flag to let people know there’s a 100 mt hole there. This happened in Saudi.

In areas where there is fresh water under ground the locals dig wells and support the sides with concrete and stones to keep the sand from falling back in to the well. Some of these are up to 100 meters deep.

This particular one was 60 meters deep and 4 meters wide, located Outside the small town of Riyadh in the center of Saudi.

The guys went out in the desert for a bit of 4X4 fun on a Thursday when one of them drove in to the well and dropped 60 meters to the bottom with his
V8 Cruiser.

Rescue workers retrieved the car and the driver had a mild concussion from hitting his head against the wind screen.

Hard to believe he is alive…”
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Also view:

For 4×4 Vehicles and Car Insurance also view:

Protect yourself when on driving on safari Out-In Africa

“Guide to safety and driving on safari / driving in the nature reserve”

Road Safety for foreigners travelling in South Africa

4×4 Vehicle Safety and Driving off-road

High performance shock absorber could reduce accident risk for 4×4 vehicles

Damage from seawater might be difficult to explain to your car insurer

Sea Damage 2

Some vehicle claims are easier to explain to the car insurance company than others!! It is best accepting that insurance is not meant to provide cover for blatant stupidity…Vehicle owners have to take reasonable steps to protect their insured vehicles!!

Leave driving on seasand for 4×4 vehicles and trained 4×4 specialists!!

Also view:

4×4 Sand Driving Safety

4×4 Driving and Vehicle Insurance

Sea Damage 1

Sea Damage 3

Training can prevent many quad bike and 4×4 insurance claims

Leander Pienaar on his quad bike

Leander Pienaar gives the thumbs-up during a race

Many accidents claims can be prevented – especially those accidents caused by driver inexperience and drivers trying to do too much on vehicles they are not familiar with! In areas where special skills are required such as quad bike riding and 4×4 driving it is most important to gain experience and benefit from the expertise of those who have been there and done that.

I am pleased to say that the Arrive Alive and Quad24 websites received an email with a request for such assistance. The email was from Rand Refinery and was worded as follows:

“Can you please advice on how can we get training for our employees using the Quad for their normal duties to comply. Your help will be highly appreciated.”

We were able to pass this along to Leander Pienaar from Jetsport who is truly an expert on quad bikes. He not only sells these bikes but is a former winner of the Roof of Africa quad bike race in Lesotho. He is aware of the extreme physical challenges facing a quad bike rider and the dangers of not operating such a vehicle safely.

We have in the past few years noted that many International Aid Organizations started recognizing the importance of quad and 4×4 training. They offer assistance in the most remote areas of Africa – and this is most often done by Europeans inexperienced in driving these specialized vehicles in these mountainous areas! Accredited 4×4 training institutions are now reducing the amount of vehicles written-off in these areas by inexperienced drivers.

We would like to urge quad bike riders and 4×4 drivers to view the following sections:

Quad bikes

Quad Bike Safety
Quad24
Quad Bike Insurance and Accidents

4×4 Vehicles

Increase in SUV and 4×4 sales – but are they correctly insured?

Vehicle statistics made available on the Moneyweb website makes for interesting reading. It has been revealed that in December, SUVs accounted for 25% of passenger car sales. It is said that one in six passenger cars being sold in SA these days can be loosely termed a sports utility vehicle (SUV).

Increase in SUV and 4x4 sales - but are they correctly insured?

Why are so many buyers opting for SUV’s?

We need to reflect on some of the reasons for the shift in purchasing tendencies:

* They are more spacious/ comfortable;
* Being higher, they offer better visibility;
* They can go anywhere, which suits outdoor SA lifestyles;
* They are seen as safer for their occupants in a crash;
* They can ride the potholes better [road conditions off the main roads have deteriorated];
* The best equal or exceed the luxury of the best saloon cars;
* They convey an adventurous “tough guy” image.

Analysts have disclosed that the SUV segment is growing in size, but the 4×2 SUV sub-segment is becoming a very popular option. It is also interesting to note that 4X4 vehicles have increased their market share from 8%-12% during three years of desperate recession.

What is an SUV?

A sport utility vehicle (SUV) is a generic marketing term for a vehicle similar to a station wagon, but built on a light-truck chassis. Usually equipped with four-wheel drive for on- or off-road ability, and with some pretension or ability to be used as an off-road vehicle, some SUVs include the towing capacity of a pickup truck with the passenger-carrying space of a minivan or large sedan. [Wikipedia]

SUV/ 4X4 and insurance risks

Many SUV owners might not buy the vehicle for its 4×4 ability, but having these capabilities at hand, might provide additional safety concerns. We have referred to purchasing considerations as including the ability to go “anywhere” and the perceived “tough guy image”. This is exactly where the additional vehicle insurance risk can be found!

Owning and driving a 4×4 vehicle does not mean that the driver is capable of driving off-road safely. Without proper training a 4×4 could be dangerous in the hands of the inexperienced driver. Too many 4×4 vehicle roll-overs occur when drivers drive these vehicles at incorrect speeds and without the proper technique on gravel roads!

Insuring your 4×4 vehicle and communication with your insurer

The vehicle owner needs to pay special attention when insuring his SUV and 4×4. The type of vehicle that you drive and the purpose of use are important considerations in calculating the insurance premium payable! If the SUV is not to be used for rough 4×4 driving, you might need to communicate this to your insurer – or at least confirm that this vehicle does not attract a very expensive car insurance premium from your insurer.

Car Insurance Advice and suggestions for the SUV/ 4X4 Owner

The Car Insurance Blog at carinsurance.arrivealive.co.za would like to advise the following:

• Pay close attention to insuring your 4×4 or SUV.
• Shop around and compare insurance quotes from several providers
• Avoid additional risks and 4×4 insurance claims through a focus on safety.
• Focus on safety and driving skills on off-road and 4×4 terrain
• Improve your skills through accredited 4×4 driving courses
• Ensure that additional drivers also gain safe 4×4 driving training as well.
• Do not overload your vehicle and be especially cautious when towing

The Arrive Alive road safety website has made available several pages of content on 4×4 driving safety. We would like to urge all 4×4 vehicle owners to view the following section:

4×4 Off-Road Driving Techniques & Safety
4×4 Vehicle Insurance