O.k so i've been looking in to the insurance situation foe south africa a little more and joined a south african 4x4 forum really helpful guys and this is what they had to say on the matter.
Gary
Insurance and also third party insurance isnt compulsory in SA. So you can basically drive around with no insurance. A part of the fuel price goes to the Road accident fund, which pays out to injured people (only after a lengthy legal process). This do not cover the damage on vehicles or the other person's vehicle.
Why dont you call Tuffstuff insurance and find out whether they are prepared to cover you? They are specialised 4x4 insurance. That is if your local insurance do not cover you.
Hope this help.
I'm going to give tuff stuff a call on monday and if i have no luck getting extra insurance so be it if i'm legal that'll do.
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