Keep your business safe on the roads

At Santam, we understand that commercial vehicles spend long hours on the road and are exposed to hazardous driving conditions and other challenges - many of which are beyond control. Santam Heavy haulage is the country’s leading heavy commercial vehicle insurer, offering comprehensive insurance solutions for heavy commercial vehicles with a gross mass exceeding 3 500kg.

Why choose Santam Heavy Haulage insurance

Industry expertise

Our underwriting team understands the long-haul transportation sector inside out. We continuously expand and adapt our offerings as our clients’ needs grow and change. We offer unparalleled industry expertise, professional guidance, and innovative approaches to help clients manage their risk.

 Claims paying capability

Losses may be stressful, but we believe the claims experience doesn’t have to be. When the losses occur, you want to have peace of mind knowing that you are with the heavy haulage insurer that has the financial and capital strength to settle your claim. An insurer that makes it as easy as possible for you to submit and resolve your claim – and get your business back to the position it was before the unfortunate event.

World-class claims experience

We offer a first-class claims service, with efficient and effective claims handling. Our in-house claims professionals will work hard to achieve the best outcome for our clients. We’re dedicated to making the process, timelines and expectations clear for you from the minute you report your claim with us. Our goal is to get you up and running again quickly after an unexpected incident.

Quick turnaround times

In an industry where time is money, we understand the need for quick responses. We offer fast turnaround times on quotation requests, with 80% of them being completed within eight hours. We also offer a first-class claims service with efficient and effective claims handling.

Long term partnerships

We work closely with our clients to understand the risks they face and customise risk management solutions to suit their needs. Through our risk management services, we work with intermediaries to help our clients reduce the likelihood of filing a claim. Ours is a win-win partnership.

More about Heavy Haulage

Santam Heavy haulage is South Africa’s leading heavy commercial vehicle short-term insurer with a market exceeding 30%. We insure approximately 9 500 heavy haulage trucks on the country’s roads. Working closely with our specialist intermediaries, we assist fleet owners with their risk management to proactively reduce incidents, helping to reduce their insurance costs in line with their risk profile.

Our range of solutions


Territorial limits – SADC countries

Medical costs – R15 000 per occupant of an insured vehicle (maximum of R30 000)

Third-party liability – R2,5 million

Environmental impairment liability extension – R250 000

Windscreen cover

Wreckage removal and fuel tank spillage clean-up – R25 000

Towing – reasonable costs

Goods in transit (GIT):

Territorial limits – SADC countries

Fidelity cover – total loss

Included in sum insured – containers, tarpaulins, etc.

Recovery and protection of loads – R25 000

Cover on non-specified basis

Get a quote

To get business insurance, provide a few details and let us call you.