Motor Fleet Insurance
SHA doesn't just provide specialist liability covers, we also have a large division that specialises in motor business. Insurance cover for larger commercial (more than 20 vehicles) and corporate clients with fleets of commercial vehicles including buses.
Specialist stand alone covers are also available for:
- passenger liability (blended with personal accident)
- spillage/clean-up for road cargo
- motor third party excess of loss liability
Covers and extensions
Our motor fleet business unit offers the following:
- Own damage and third party cover
- 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
Our territorial limits are sub-Saharan Africa with restrictions applicable to passenger liability outside RSA. (SHA's Motor Unit doesn’t generally write business outside South Africa.)
Want to know more?
Contact usSubmit a claim?
ClaimsWhy insure your fleet with SHA's motor division?
Solutions
We know that not every fleet risk is the same. Our team look for ways to structure solutions.
Strength
SHA is a division of Santam Ltd, southern Africa's largest short term insurer so you know your policy is backed by real financial stability.Motor FAQs
What sort of business does SHA not write?
- Personal lines business
- Heavy commercial vehicles
- Exotic cars
What do I need to do to get a quote?
To do a quote we need:
- description of the Insured’s business
- at least 3 years loss history
- excess structure
- details of previous insurance
- fleet value (size, type, value)
- the basis of cover required
What sort of capacity/limits does SHA provide?
- Own damage = R6,000,000 per unit
- Third Party Liability = R10,000,000
