Motor & Fleet
Motor cover protects your vehicles against accident, theft, and third-party damage, and covers the financial shortfall if a financed vehicle is written off while there's still a loan on it. Fleet cover does all of that, coordinated across multiple vehicles under one programme.
We place motor cover across insurers who actually compete for private and commercial vehicles, and build fleet programmes that reflect how vehicles are really used.
Cover
What this typically covers
Comprehensive cover
Everything, on every vehicle: your damage, their damage, theft, fire, hijacking. On a financed vehicle the bank requires it, so for most of a fleet it is not a choice.
Accident, theft, hijacking, fire, and third-party damage: the default for most financed vehicles.
Third-party, fire & theft
The lighter option, usually kept for the old bakkie worth less than a year of comprehensive premium. It pays for what you damage, not for what you crash.
Lighter cover for older vehicles: covers damage to others and theft/fire of your vehicle, not accident to your own.
Shortfall cover
A written-off vehicle is settled at what it was worth, and the finance balance can be higher. This pays the difference, so the business is not repaying an asset it no longer has.
Pays the gap between the insurer's write-off settlement and what you still owe the bank.
Roadside & car hire
Someone to fetch the vehicle and something to keep the driver moving. On a fleet, a vehicle standing still usually costs more than the repair does.
A hire vehicle during repairs, towing, and roadside assistance when you're stranded.
Fleet programmes
One policy, one renewal, one claims number, and pricing that reads your own record instead of each driver's. It starts making sense somewhere around the fifth vehicle.
Single-policy cover for multiple vehicles with consolidated reporting, telematics, and driver risk profiling.
Specialist vehicles
Bikes, trailers, plant, and anything a standard motor rate does not understand. Rating them as ordinary cars is how a fleet ends up paying for risk it does not run.
Motorcycles, classic cars, trailers, caravans, and plant, with wording built for the way each is used.
Limits
What this will not cover
Drivers and uses you never declared
An unlicensed driver, a vehicle carrying goods it was not declared for, private use of a vehicle rated for business. All routine, and all checked when a claim comes in.
Under the influence, or refusing the test
Cover falls away where the driver was over the limit, and in most wordings a refused breath or blood test is treated the same as a failed one.
Wear, tear and mechanical breakdown
Tyres, brakes, clutches, and engines reaching the end of their lives. That is maintenance, and on a fleet it is a budget line rather than a claim.
Goods on the vehicle
The load is not covered by the motor policy. Stock, tools and customers' goods in transit belong to a goods-in-transit or cargo section, bought separately.
Claim
When you claim
The driver reports it, you notify the same day
A fleet's real claims problem is news arriving late from the road. Keep a claim pack in every vehicle: what to record at the scene, who to call, and the reminder not to discuss fault with anyone.
Telematics is evidence, and it cuts both ways
Where vehicles are tracked, the data is read alongside the driver's account. It settles disputed liability quickly when the driver is right, and it ends the argument early when they are not.
The programme is priced on your own pattern
Fleet cover is rated on your loss history, so a run of small claims can cost more at renewal than it recovered. We will tell you when a claim is not worth making, which is a conversation no call centre will open with you.
Questions
Frequently asked questions
When a financed vehicle is written off, the insurer pays market value, often less than the outstanding loan, especially in the first two years. Without shortfall cover, you pay off a car you no longer own. It's one of the cheapest and most-skipped elements of motor cover.
Vehicle type, where it's parked at night, driver profile, claims history, and excess level. Telematics (driving-behaviour tracking) is increasingly used: good drivers pay less, high-risk drivers pay more.
Not automatically. If you use a vehicle for deliveries, sales calls, or transporting goods, a business-use extension is needed. Otherwise a business-related claim can be declined.
Usually from about 4–5 vehicles upward. Fleet policies treat the vehicles as one book of risk: one renewal, one claims process, and pricing based on overall loss ratio. Simpler and cheaper than separate policies once you have more than a handful.
Higher excess lowers your monthly premium but costs more per claim. Good for infrequent claimers with cash reserves. For fleets or frequent claimers, a lower excess smooths cash flow. We model both at quote stage.