Insurance for heavy commercial vehicles
The heavy haulage industry is the heartbeat of the South African economy with more than 80% of goods transported on the road. Santam Heavy Haulage is the leading heavy commercial vehicle insurer in South Africa, offering short-term insurance solutions for heavy commercial vehicles with a gross mass exceeding 3 500kg.
- We pride ourselves on our fast turnaround times on quotation requests (80% get completed within eight hours).
- We have dedicated broker and service consultants per area.
- We offer a first-class claims service, with efficient and effective claims handling.
- We operate throughout Southern Africa
Your heavy commercial fleet is the lifeline of your business. Keep the wheels of your heavy haulage operations turning by ensuring that your vehicles are fully protected, every step of the way.Download Brochure
Santam heavy haulage insurance solutions
At Santam, we understand the risk associated with the heavy haulage transport industry and we tailor-make our insurance solutions. We know the integral role heavy commercial vehicles play in the South African economy and offer the most comprehensive insurance solutions which include:
Heavy commercial vehicles
Insurance cover for vehicles with a gross vehicle mass exceeding 3 500kg
• Limited territorial cover (SADC countries)
• Medical costs
• Third-party and other liability cover
• Vehicle damage and towing cover
• Wreckage removal
• Fuel tank spillage clean-up
Goods in transit insurance (GIT)
• Territorial limits - SADC countries
• Fidelity cover - total loss
• Included sum insured - containers, tarpaulins, etc.
• Settlement - market value of load plus transport charges
• Recovery and protection of loads - R25 000
• Cover on non-specific basis
Optional cover can be obtained to extend both vehicle and GIT sections.
Amendments to the national road traffic regulations
Transport operators need to provide written evidence that both vehicles and goods to be transported on a public road are insured “for damages that can occur as the result of an accident”. The insurance must be taken out either by the “consignor” (a person dispatching more than 500 tons of goods in a month by road) or the “consignee” (a person receiving such goods). If a transport operator cannot produce the required evidence of insurance, the consignor and the consignee are obliged not to transport or accept goods respectively.
Other amendments to the regulations require the transport operator to be in possession of a written declaration setting out the nature and quantity of the goods to be transported. It must also include a written agreement between the consignor and the operator, stipulating loading instructions and the responsibilities of the parties.
Furthermore, the regulations prohibit a consignee or consignor from concluding a contract with an operator if the vehicle is overloaded in terms of the National Road Traffic Act. The consignor is obliged to keep a record of the mass of every load transported from his or her premises, which must be made available to a traffic officer if requested.