Insuring a Fleet of Cars

Commercial Vehicle Insurance is specifically for standalone motor fleets to provide effective risk management. Insurance for a fleet involves damage or loss to vehicles and third party accidents. It’s the ideal way of insuring a fleet of cars.

The heavy haulage industry contributes to the South African economy. Trucks hauls more than 80% of goods traded in South Africa. Truck owners and their drivers face many dangers, risks and pressures during the transport of these goods. They require protection in the form of fleet insurance.

Insuring a Fleet of Cars – What is a Fleet of Cars?

A “fleet” is when more than 25 vehicles belong to a company, but policies can include coverage for over 100 vehicles. Insurance is typically available for any South African registered motorcar, motorcycle, light delivery vehicle, caravan or trailer, as well as agricultural, construction and material handling vehicles.

Insuring a Fleet of Cars

Fleet insurance can be tailored to suit your needs. AIG is one such company that can work with your insurance broker to customise the right solution for your organisation. They guarantee coverage on vehicles, associated contents, third party property and injury cover.

Insuring a Fleet of Cars – Offers from Momentum

  • Vehicles insured at retail value, with the option of insuring at market value.
  • 24-hour free roadside assistance for vehicles GVM < 3 500kg in the case of an accident or breakdown.
  • Option to hire a vehicle following an incident. Different policy options are available.
  • Loss-of-use cover following an incident for which you can claim. AIG provides for any financial loss suffered caused by the loss of use until finalisation of the claim.

Include the transported goods of all sectors in a policy. From household stick, livestock, perishables, hazardous products to machinery and information technology. So whatever your company transports, it needs cover to avoid financial ruin in a worst case scenario.


Comparing companies is the key to finding the right one for you. Santam offers coverage for heavy commercial vehicles for accidents, mechanical breakdowns, theft and highjacking but also for lost keys and additional associated costs. Your choice will depend on your budget, circumstances and industry but coverage should always include the basic needs of a fleet company.

To request your vehicle fleet insurance quote, please complete and then submit the form on this page. Our experts will be in touch.


All info was correct at time of publishing October 22, 2018