HEAVY COMMERCIAL VEHICLE – OWNER DRIVER

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

Key Benefits

• Comprehensive motor cover
• Claims settled on full retail value
• Wreckage removal and clean-up
• Cover for 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

Additional Benefits

• A fixed-value option allowing policyholder to set the sum insured per vehicle for the duration of the policy
• Inclusion of Credit Shortfall depending on sum of vehicle insured

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

Exclusions

• Public vehicles
• Military vehicles
• Emergency vehicles

This forms part of our HCV Insurance Solution