Archive for May, 2010

Below is a warning we have just received from one of our specialized 4×4 insurance underwriters. If you own a Toyota Hilux or Fortuner, we suggest you take careful and serious note of this.

“We have experienced a significant increase in the number of stolen and hijacked Toyota Fortuner and Hilux vehicles.  We have established that criminals have developed a simple means of disarming the vehicle as they know where the siren is installed and are able to disconnect the siren without setting off the alarm.

Our recommendation is a visit to the nearest Toyota dealer to discuss perhaps having the alarm moved, which will significantly reduce the risk.”

“What must I do?”

Besides the advice above, here is what we suggest you do to ensure your 4×4 insurance remains valid, and your claims get paid without any hassles:

1. First and foremost: Make sure you know what the security requirement is on your policy. Is a factory fitted immobiliser acceptable, or should you have a tracking system installed?
2. If your vehicle is supposed to have a tracking system installed, ensure that you comply with the requirement immediately.
3. Remember, not all vehicle tracking systems are created equal. Your insurer may have a list of approved tracking systems. Make sure you have the correct system installed.
4. Test your tracking system regularly. Many of the newer systems have a self-test facility, but I wouldn’t rely on that alone.  Make sure that the tracking system is communicating with the call centre by calling your service provider and asking them to ensure that they can find your vehicle’s signal.

If you need a tracking system, speak to us first. We can arrange the fitment of all leading tracking systems for you.

Prado TX

In recent months Toyota have launched a downscaled version of the Prado – the TX version.  The differences between the VX and TX models are mainly in the specs.

Mechanically, both models are powered either by a 24-valve 4.0-litre V6 petrol or a 3.0-litre 4 cylinder turbo diesel and  have a 5 speed automatic transmission.

It comes with Brake Assist, Electronic Brake force Distribution (EBD), Vehicle Stability Control (VSC), Hill-start Control and Downhill Assist. Obviously it comes with driver and passenger front airbags, as well as driver knee airbag and side airbags. There are also full length curtain side airbags for all three rows of seats.

The difference in price is about R90’000.  In my opinion, when you’re spending close on R600’000 on a vehicle anyway, you might as well go all the way.  What do you think? Is the cheaper version worth the saving?

Our clients seem to feel that it’s best to go all the way, if you can afford it, of course.  In the past week alone we have insured 2 new Prado VX’s, and both owners reckon they considered the TX but eventually decided on the VX. When it comes to 4×4 insurance, it makes sense to get the best cover available, whether you have a VX or a TX, get proper 4×4 insurance from us.