{"id":670,"date":"2021-11-17T09:51:16","date_gmt":"2021-11-17T14:51:16","guid":{"rendered":"https:\/\/passportoverland.com\/?p=670"},"modified":"2022-11-28T07:38:50","modified_gmt":"2022-11-28T12:38:50","slug":"how-does-overlanding-or-off-roading-affect-your-insurance-coverage","status":"publish","type":"post","link":"https:\/\/passportoverland.com\/how-does-overlanding-or-off-roading-affect-your-insurance-coverage\/","title":{"rendered":"How Does Overlanding Affect Your Insurance Coverage? What We Found!"},"content":{"rendered":"\n
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How Does Overlanding Affect Your Insurance Coverage? <\/h2>\n\n\n\n

If you’re fond of traveling, off-roading, and Overlanding, you are probably familiar with Overlanding insurances. In case you aren’t, we will discuss it in the following few sections.<\/p>\n\n\n\n

Overlanding insurance is necessary when crossing borders and entering foreign countries. Unlike standard auto insurance, overlanding requires several third-party insurance coverages during border crossings, as well as comprehensive coverage such as collision, injury, property and all-encompassing coverage outside your local area. Therefore it is much more expensive than typical auto insurance. <\/strong><\/p>\n\n\n\n

Having said that, what exactly is Overlanding insurance? What coverage does it offer?<\/p>\n\n\n\n

Typically, Overlanding insurances do not come with any geographical constraints and cover the majority of the locations. They also come in multiple tailor-made packages for different types of Overlanding requirements.<\/p>\n\n\n\n

Most international insurance companies also offer Overlanding insurance, and you’ll have plenty of options to explore.<\/p>\n\n\n\n

In this article, we will dig deeper into Overlanding insurance and discuss how exactly it affects your usual insurance coverage.<\/p>\n\n\n\n

What is Overlanding Insurance?<\/h2>\n\n\n\n

As mentioned earlier, Overlanding and global insurances aren’t the same. In the simplest terms, Overlanding insurance is the type of insurance you need every time you cross borders with your vehicle. At times, several domestic insurance providers do not offer extensive coverage related to collision, property damage, and physical injuries among others. This is especially true when you experience these situations beyond your local territory. The solution? Overlanding insurances.<\/p>\n\n\n\n

Almost all insurance agencies offer Overlanding insurances. They are, however, slightly on the pricier side. The insurance providers justify the high price given the difference in territory, laws, and similar other factors. Because these factors collectively categorize you as a high-risk individual, you are expected to pay more for an all-encompassing Overlanding insurance.<\/p>\n\n\n\n

If you are looking to get off-road car insurance, you can easily get that as extra coverage from your regular vehicle insurance. The coverage is extended for Overlanding tours and the price isn’t as high.<\/p>\n\n\n\n

Typically, most off-road insurances cover your travel options on roads that aren’t very popular. This includes areas that are unmarked and territories that are still uncharted. Depending on the policy of your insurance company, you can enjoy complete or partial off-roading coverage in your Overlanding insurance.<\/p>\n\n\n\n

As with everything else, it also comes with a set of exceptions listing the things that are and aren’t included. In case you are unsure if your regular insurance covers Overlanding as well, it is best to consult the insurance agency. Additionally, you can also review your agreement carefully for greater depth and insight. Because insurance agencies are profit-driven ventures, you will seldom find regular insurance that includes Overlanding coverage as well.<\/p>\n\n\n\n

That is why it is crucial to get off-roading or Overlanding coverage as an add-on. Alternatively, you can also explore specific insurance packages for these options and choose the one that best fits your requirements and price.<\/p>\n\n\n\n

Types of Insurance Needed When Overlanding<\/h2>\n\n\n\n

As with everything else, Overlanding insurance can be categorized into multiple types. In this section, we will dig deeper into the many types of these insurance coverages.<\/p>\n\n\n\n

Vehicle Third-Party Insurance Coverage <\/h3>\n\n\n\n

This insurance is mandated by the majority of the countries. However, in some nations like South Africa, it is monitored and managed by Government authorities. Overlanders are expected to produce these insurance details while trying to cross the borders of a country. This may also be required during the regular police checks on the road.<\/p>\n\n\n\n

Mercosur Insurance<\/h3>\n\n\n\n

This insurance is needed to cross borders of South American countries like:<\/p>\n\n\n\n