Tourinsure is an all-inclusive insurance product designed specifically for tour providers and those involved in the tourism and hospitality industry, offering a wide range of cover for the select and specialised vehicle-based tour providers.
Compliant with both statutory requirements, the range of cover bridges the gap between the statutory maximum compensation under the RAF and that required by foreign and local tourists.
The types of cover on offer are as follows:
Motor Vehicle
Cover includes Comprehensive cover as standard, as well as the following
additional benefits:

The types of cover on offer are as follows:
• Car hire in the event of a loss
• Loss of or damage to PA equipment fitted in vehicle
• Replacement of vehicle if stolen or written off in the first year of registration
• Credit Shortfall
• Claims settled on average retail value of the vehicle
• Loss of guests luggage following accident
Public Liability
Covers damages that the insured would be legally liable to pay as a result of injury or damage occurring in the course of or in connection with the business.

This includes cover requirements in terms of the European Community Directive 90/314/EEC relating to the Package Holidays and Travel Trade Act, 1995.
Passenger Liability
Covers fare-paying passengers (i.e. passengers who pay for a tour or transfer is included in the price) in the event of negligence on behalf of the driver. The operator must be legally liable to pay and the loss must be quantifiable.

Note: Drivers and Guides are exempt from compensation under Passenger Liability.
In order to receive benefits they would require Personal Accident cover.
Professional Indemnity
Compensates the insured for costs they would pay to a customer as a direct result of neglect, error or omission and/or breach of contract, resulting in claim/s being made against the insured in writing during the period of insurance.
Personal Accident
Covers the tour operator/driver for death and/or injury in the event of an accident.

There is a medical benefit available that covers medical costs incurred as a result
of the accident.
Tourinsure Assist
This cover provides the following services:
• ROADSIDE ASSISTANCE: in the event of flat tyre or battery, keys locked in vehicle. Towing in the event of mechanical and electrical breakdown

• MEDICAL ASSISTANCE: including guaranteed hospital admission

• TOW-IN: in the event of Mechanical Breakdown, Electrical Breakdown and Accident Damage
Pax Protector
Given the recent amendments made to the Road Accident Fund, offering protection to passengers in the event of an accident has become vital.

We have developed Pax Protector a product that specifically covers tour vehicle passengers in the event of Death and Disablement.

Should you wish us to provide you with a quote, kindly contact our offices.
Cancellation of Booking
This section provides cover for refund of deposits following cancellation of a booking due to accidental injury, illness or death of a client. Kindly note that a limit of R20 000 applies to this section.
Material Damages
This product also makes provision to insure the Assets of the Business in the
conventional manner.
• Office Contents – Cover for office furniture and equipment
• Electronic Section – Cover for notebooks/laptops and desktops
• Business All Risks – Cover for cell phones and cameras etc
• Money – Cover for cash in transit or locked in a safe
• Theft – Theft of stock

In addition to the covers listed above , Tour Operators can add the following:

Lloyd’s Personal Accident (Tourinsure)