Hi Corné,
I travelled in Southern Africa about 10 years ago and as far as i remember in South Africa some insurance is in the petrol price. This is only for damage to people (this doesnt sound right, but I dont no other way to say it in english). Insurance for damage to vehicles or for your own vehicle has to be insured seprately. But this is not compulsory.
I was lucky to be able to do that with the compagny I worked for at that time. Don't know any names of compagnies.
For other country's in Southern Africa as far as I remember you have to buy it at the border everytime.
Another nice thing to know: South Africa, Botswana and Namibia have a 'custums union' with also means you don't have to have you Carnet stamped travelling at the border between these countries.
Have fun,
Peter
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