Cross Country car insurance: review, contact numbers and claims

Cross Country Insurance Consultants (FSP 39547) is a registered underwriting management agent. That means it designs and administers the policies, while the insurer that carries the risk is Renasa Insurance Company Limited.

The company was founded in 1999 for the 4x4 market and now covers standard cars as well. Confirm the underwriter on your policy schedule and check the registrations on the FSCA register.

• Its main car product, Ultimate Motor, is full comprehensive cover for private, business, professional, farmer and tour-operator use, including off-road, for standard vehicles as well as 4x4s and SUVs. (ccic.co.za)
• Published basic accident excess (Ultimate Motor, benefit table dated 01 April 2026) for principal driver, spouse and nominated driver. (ccic.co.za)
• Two claim-free years with Cross Country waives the basic accident excess for the principal driver and spouse (drivers under 25 excluded). (ccic.co.za)
• Additional excess for any driver under 25 is R5 000, on top of the basic excess. (ccic.co.za)
• Theft/hijack excess is 10% of the claim with no tracking device, and waived if a tracking device is installed and activated. (ccic.co.za)
• Liability limits: R5 000 000 passenger liability and R10 000 000 third-party liability. (ccic.co.za)
• Emergency assistance includes roadside help (flat tyre, battery, locked keys, fuel delivery, breakdown towing) plus medical helpline, evacuation and legal helpline; call centre 24/7. (ccic.co.za)
• Cover extends into neighbouring countries: for standard vehicles Botswana, Lesotho, Mozambique, Namibia, South Africa, Swaziland and Zimbabwe; 4x4s, 4x2s and SUVs cover a longer list. (ccic.co.za)

Ultimate Motor is the main car product. It is full comprehensive cover for private, business, professional, farmer and tour-operator use, including off-road use, and it applies to standard cars and motor homes as well as 4x4s and SUVs. Optional [third party fire and theft](/claims/third-party-fire-and-theft-claim/) and third party cover are also available.

Motorcycles, classic cars and marine cover are separate products. If you ride a bike or own a classic, ask Cross Country which product applies and read that product's own wording, because the Ultimate Motor terms above do not carry over.

If you drive a plain private car and never leave the tar, compare Ultimate Motor against a couple of mainstream insurers on like-for-like cover and excess. The strongest reason to consider Cross Country is off-road use, business use or cross-border trips.

Checked on 29 September 2026 against Cross Country's official website. Numbers and channels change, so confirm on the linked page before you call. Cross Country will not ask you to pay into a new bank account over the phone; hang up and call the official number if anything feels off.

Sources: ccic.co.za/contact-us, ccic.co.za, play.google.com/store/apps/details.

The Ultimate Motor benefit table dated 01 April 2026 publishes these excesses:

Two claim-free years on the insured vehicle with Cross Country waives the basic accident excess for the principal driver and spouse. Drivers under 25 are excluded from that waiver.

Non-disclosure is the usual reason claims are reduced or rejected. Be accurate about who drives, how the vehicle is used and where it is kept. Read the exclusions in your own wording, especially for business, off-road and cross-border use.

This is orientation, not a quote. Get a real quote and compare on like-for-like cover and excess.

On the plus side, Ultimate Motor is a full comprehensive product with published excess amounts, wide use options including off-road and business, cover into neighbouring countries, and 24/7 emergency assistance. Fitting a tracking device removes the theft and hijack excess.

The trade-offs: the excess is a percentage with a minimum, so it rises on bigger claims, drivers under 25 carry an extra R5 000, and quotes go by email rather than an online form. You also depend on the underwriter, Renasa, for the claim decision. Compare against a couple of other insurers before deciding.

As an independent information site and not a broker, we point you to Cross Country's own channels. Email [email protected] for a quote and have your vehicle, licence and driver details ready.

For claims, email [email protected] and use the claim forms on the product page linked in the contact table. We found no separate claims phone number. Keep records, photos and any police case number. If a claim is declined or short-paid and the internal complaints process does not resolve it, escalate free of charge to the National Financial Ombud, which now handles short-term insurance complaints previously dealt with by OSTI.