The ONE Owner Driver Policy is designed to meet the needs of vehicle owners who drive their own light delivery vehicle (LDV) or heavy commercial vehicle (HCV).

Key Benefits

  • Comprehensive motor cover
  • Claims settled at full retail value
  • Wreckage removal and clean-up
  • Goods in Transit
  • Excess-free windscreen subject to use of the approved replacement process
  • Motor liability with a top-up option
  • Fire and explosion liability
  • Legal assistance for Road Accident Fund claims
  • Franchise excess in respect of own damage section

Optional Extensions

  • Loss of use
  • Theft/hijack excess helper
  • Own damage excess helper
  • Third party excess helper
  • Windscreen
  • Increased cross border towing limits
  • Increased cover for Goods in Transit
  • Static motor fire risk
  • Riot cover for cross border areas (Namibia excluded)
  • Contingent liability cover for cross border operators to supplement liability coupon cover
  • Credit Shortfall available as a separate add-on


Thank you for contacting ONE, we hope to offer you a fantastic solution to your insurance needs. ONE is authorised to provide advice and product information to accredited Brokers only. Your Broker will need to give you the independent advice to ensure your insurance needs are appropriately met. Please provide your Broker’s contact details in the box below.