Insurance for heavy commercial vehicles

The heavy haulage industry is a major contributor to the South African economy with more than 80% of goods transported on the road. According to the June 2016 report from the National Traffic Information System (eNATIS), there are 369 456 registered trucks (heavy load vehicles GVM > 3500 kg) in South Africa.

Santam Heavy Haulage provides insurance for heavy commercial vehicles are insured against perils such as an accident and associated costs, mechanical breakdown and towing, theft and hijacking, lost keys, and much more.

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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.

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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

Cover includes limited territorial cover (SADC countries), medical costs, third-party and other liability cover, vehicle damage and towing cover as well as wreckage removal and fuel tank spillage clean-up

Goods in transit insurance (GIT)

The type of goods that we typically insure include any commodity type goods including household stock, perishables, livestock, hazardous goods, agricultural good and equipment vehicles, earth moving equipment, information technology and industrial machinery

Cover includes limited territorial (SADC countries), recovery and load protection cover (R25,000), as well as fidelity, equipment and settlement cover

Optional cover

Optional cover can be obtained to extend both vehicle and GIT sections.


We are seeing an increase in the frequency of claims - as much as a 25% increase – which can be attributed to:

  • The weakening of the Rand against major currencies – financial strain on clients
  • Deteriorating road conditions and adverse weather conditions

In addition, the price of imported motor spare parts has risen by up to 30% annually which continues to impact on claims. However, we constantly try to keep our operating costs low so as to minimise passing some of these costs on to policyholders.

Dial Santam's 24/7 Emergency Claims line on 0860 505 911 any time of the day or night and we will take care of the rest.

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.

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Contact details

When you partner with Santam, you can enjoy peace of mind knowing that your clients’ insurance needs will be taken care of. Find out more about our insurance solutions, specifically designed for clients with unique insurance needs. Alternatively, you can contact:

Claims                                                       New quotes requests                                Admin/queries

0860 505 911                                            011 912 8000                                    

transport.incident@santam.co.za        quotes.transport@santam.co.za                 underwriting.transport@santam.co.za