SHA has a large motor fleet portfolio and offers a full range of own damage, spillage, passenger liability and motor excess of loss covers:

Covers and Extensions

  • Own Damage and Third Party
  • Risk Controlled Commercial Fleet
  • Self-insured Fund Protection (Aggregate Deductibles)
  • Stop Loss
  • Deposit Premiums on a Burning Cost Basis
  • Monthly Contracts
  • Replacement Value
  • Agreed Value
  • Credit Shortfall
  • Loss of Use
  • Car Hire
  • Roadside Assistance
  • Mechanical Breakdown Towing
  • Keys and Alarm Systems
  • Sign Writing
  • Air Freight Replacement Costs
  • Deposit Protector
  • Emergency Travel Costs
  • Large Liability Limits
  • Third Party Liability for plant machinery – road risks use only
  • Fare Paying and Non-Fare Paying Passenger Liability
  • Excess of Loss – Motor Third Party Liability
  • Excess of Loss – Fare Paying and Non-fare Paying Passenger Liability
  • Personal Accident following an accident including passengers and drivers

Territorial Limits

  • Sub Saharan Africa

Limits of Indemnity

  • Own Damage Limit: R4 million per unit
  • Third Party Liability: R500 million

Requirements to Quote

  • Description of Insured/Business
  • Minimum of 3 years Loss History
  • Excess Structure
  • Details of previous Insurances
  • Fleet Value – size, type, value etc.
  • Basis of Cover required

Spillage and clean-up costs including pollution

SHA are specialist underwriters for the clean-up of road cargo spillage.  Cover includes compensation for injury and/or damage to tangible property including the loss of use thereof.

Cover and Extensions

  • Clean-Up means the removal, neutralisation, nullification, and/or cleaning-up of soil, surface water, ground water, or other pollutant. Clean-up also includes the reasonable costs and expenses of rehabilitating any property or amenity by the Insured which is protected by law.
  • Pollution means the sudden, unexpected and unintended emission, discharge, release or escape of any liquid, solid, gaseous, particulate or thermal irritant, contaminant or pollutant emanating from cargo and contaminating or polluting land, or any water-course or body of water not belonging to the Insured.
  • Clean-Up Costs means the reasonable costs for Clean-Up including Mitigation Costs


  • Spillage during loading & unloading of vehicles

Territorial Limits:

  • Sub Saharan Africa but limited coverage in the DRC

Limit of Indemnity:

  • We are able to underwrite up to limits of R1 billion.

Download a Spillage proposal form

Download a Passenger Liability proposal form

Download a Motor TP Excess of Loss Liability proposal form

 For a list of the team members who specialise in this area please click here



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Reasons to insure with us


We are proud of our long standing association with majority of the top companies listed on the JSE


Our product range is geared up to protect the SME all the way up to the mega-corporate organisation


We employ a large team of specialists in our claims area, many of whom have legal qualifications or are admitted attorneys. This assures that our clients always get the most professional casualty claims service.


After 30 years we've seen most risks and our team of experienced underwriters are well positioned to tailor-make niche insurance solutions for any sized business across a diverse range of industries