Specialised Insurance Product
Fleet Insurance
Who It’s For: Individuals & Businesses
Overview: Specialised Motor Insurance is created to offer comprehensive coverage for industries that operate vehicle fleets, use their vehicles for specialised tasks, or need protection for extra accessories and modifications.
Unlike standard motor cover, this policy includes customised terms, flexible rating structures, and covers that are usually excluded from basic policies. It is ideal for vehicles with specialised use, such as construction or emergency service vehicles, or heavy-duty vehicles.
• Businesses and individuals with vehicles used in specialised operations
• Companies with ten or more vehicles
• Operators needing cover for accessories, driver risks, or cross-border travel
• Courier and Logistics – Frequent-use delivery vans, bikes, and long-haul vehicles
• Environmental, Rehabilitation & Utility Services; Vehicles with attached equipment (water bowsers, refuse trucks)
• Driving Schools & Training Institutions: Testing Cars
• Vehicle Sales & Rentals – Test-drive fleets, temporary-use vehicles
• Taxi & Public Transport Services excluding e-hailing taxis and meter cabs
• Emergency Services vehicles: Ambulances, fire trucks, response vehicles (private or government)
• Construction & Infrastructure: Mixers, cranes, flatbeds (also available under Engineering Insurance)
• Agriculture & Agribusiness: Tractors, sprayers, hauliers (also available under Agri Insurance)
Bulk Rating & Claims-Based Pricing: Cost-effective premiums based on your fleet and risk profile.
Cross-Border Cover: Extended protection across Southern African countries (SADC region).
Enhanced Roadside Assistance: Higher limits and faster response for breakdowns or emergencies.
Driver Support Cover: Optional inclusion of driver accommodation, travel allowance, or repatriation.
Employee Injury Cover: Includes passenger liability and employee injury claims in work vehicles.
Protection Against Driver Dishonesty: Cover for theft or staged hijack by employees or drivers.
Tool-of-Trade Inclusion: Covers mounted or modified tools like cranes, concrete mixers, or cooling units.
Accessories & Modifications: Protects additions like tracking units, blue lights, tow tools, refrigerated trailers, or fuel tanks.
• All on-road and off-road vehicle
• Motorcycles
• Trailers and Tool of trades
• All wheeled equipment without motor i.e. Food truck, Mobile kiosk and other insurable construction or agricultural wheeled equipment excluding bicycle