Business Car Insurance

What is Business Car Insurance? 

 Business Car Insurance is a specialised car insurance for business vehicles that protects vehicles used for commercial purposes. Unlike personal car insurance, it encompasses the unique risks associated with work-related driving. It safeguards against accidents, damage, theft, and liability claims that can arise while using vehicles for business activities like client meetings, deliveries, or employee transportation.

Having Business Car Insurance is essential because standard personal Car Insurance might not adequately cover incidents occurring during work-related use. Without proper coverage, your business could face financial strain due to repair costs, legal fees, and potential lawsuits. Business Car Insurance ensures that your company's vehicles and operations remain protected, providing peace of mind and financial security in case of unexpected events on the road.

Types of car insurance for business vehicles

Our Business Vehicle Insurance can cover all your business needs under one policy. Choose from the tailor-made offerings below: 

• Motor & All Risk Cover

This option will keep your business vehicle and the business tools and equipment you carry covered.

• Motor & Goods in Transit Cover

This option will keep your business vehicle and the delivery items you transport covered.

• Motor Only Cover

This option will only cover your car. You can also choose the extent to which your business vehicle is covered.

• Comprehensive

This is the whole package. With Comprehensive Commercial Vehicle Insurance, you can claim for the theft of your car, for any accidental damage and even for damage that you may accidentally cause to another party’s property.

• Third Party, Fire and Theft

Third Party, Fire and Theft cover allows you to claim for the theft of your car, as well as for certain specified damage to your car. You can also claim for damage that you accidentally cause to another party's property; however, it doesn’t cover any accidental damage to your car.

• Third Party Only

Third Party Only is best suited for cars that are paid in full and have a low value. With this option you can claim for the damage you caused to another party's property. While it’s the most cost-effective cover, it’s important to remember that you won’t be covered for the theft of your car and any damages to it.

What’s covered in Commercial Vehicle Insurance?

Business Vehicle Insurance includes:

• Roadside assist

• Windscreen cover

• Towing and storage – we’ll tow your car to the closest repairer if you use our towline

• Medical costs – up to R5 000 cover towards medical cost of any person injured in an accident

• Wreckage removal – removal of vehicle to prevent or reduce environmental damage

• Claims preparation costs – up to R50 000 to cover the cost incurred to prepare and present a claim
  
  

Choose to add these options to your policy:

• Car hire – we will provide you with a light delivery vehicle of up to 1.3 tons

• Car hire loss of use

• Non-standard accessories cover

• Sound system cover

• Canopy cover