Tourinsure is a specialised insurance solution designed specifically for tour operators, transfer services, and vehicle-based tourism providers. It offers comprehensive, purpose-built cover that addresses the unique risks associated with transporting paying passengers, operating specialist vehicles, and delivering tourism services in South Africa.

This product bridges the gap between statutory requirements, Road Accident Fund limitations, and the higher levels of protection expected by both local and international tourists.

What Tourinsure Covers

Motor Vehicle Cover

Comprehensive motor cover is included as standard, with additional benefits tailored to tourism operations, including:

Car hire in the event of a loss
Loss of or damage to PA equipment fitted in the vehicle
Replacement of the vehicle if stolen or written off within the first year of registration
Credit shortfall protection
Claims settled on average retail value
Loss of guests’ luggage following an accident

Public Liability

Covers damages the insured is legally liable to pay for injury or property damage arising in the course of, or in connection with, tourism operations.

Passenger Liability

Provides cover for fare-paying passengers in the event of negligence by the driver. The operator must be legally liable and the loss must be quantifiable.

This cover complies with European Community Directive 90/314/EEC relating to the Package Holidays and Travel Trade Act, 1995.

Note: Drivers and guides are excluded under Passenger Liability and require Personal Accident cover to receive benefits.

Professional Indemnity

Covers claims arising from negligent acts, errors, omissions, or breach of contract that result in financial loss to a customer during the insured period.

Personal Accident

Provides cover for tour operators, drivers, or guides for death or injury resulting from an accident, including access to medical benefits for accident-related medical expenses.

Tourinsure Assist

Includes essential assistance services such as:

Roadside assistance for flat tyres, battery failure, or keys locked in vehicles
Towing in the event of mechanical or electrical breakdown, or accident damage
Medical assistance, including guaranteed hospital admission

Pax Protector

Developed in response to recent amendments to the Road Accident Fund, this cover provides protection for tour vehicle passengers in the event of death or disability.

Cancellation of Booking

Provides cover for the refund of deposits following cancellation due to accidental injury, illness, or death of a client.

A limit of R20,000 applies.

Material Damage

Cover extends to business assets, including:

Office contents such as furniture and equipment
Electronic equipment including laptops, desktops, and notebooks
Business all risks for cell phones, cameras, and similar items
Money cover for cash in transit or locked in a safe
Theft of stock

Need a Quote?

If you would like a quotation or tailored advice, please contact our offices and one of our specialists will assist you in structuring the right Tourinsure solution for your operation.

Tourinsure