Coverage overview
Truck Insurance Coverage Options
Explore cover by insurance need and by truck configuration. Each operation is assessed around its vehicles, cargo, routes, drivers and specialist equipment.
Start with the actual operating risk
- Vehicle and trailer configuration
- Cargo and loading activities
- Local, long-haul or cross-border routes
- Fitted machinery and specialist operations
- Claims history and risk controls
Core insurance products
Choose cover by insurance need
Fleet Insurance
Fleet insurance for South African businesses operating multiple trucks, trailers or commercial vehicles.
Commercial Vehicle Insurance
Insurance options for business-use vans, bakkies, rigid trucks and other commercial vehicles.
Heavy Commercial Vehicle Insurance
Specialist insurance for heavy trucks, tractor units, trailers and demanding transport operations.
Truck and Trailer Insurance
Coordinated cover for tractor units, rigid trucks, owned trailers and accepted non-owned trailers.
Goods in Transit Insurance
Cargo insurance for goods carried by road under disclosed ownership, contracts, routes and security controls.
Truck Liability Insurance
Liability cover for accidental third-party property damage and selected transport operational exposures.
Third-Party Truck Insurance
A liability-focused cover option for accidental damage caused by an insured truck to third-party property.
Comprehensive Truck Insurance
Broad truck insurance combining accepted own-damage, theft and third-party liability protection.
Truck Breakdown Cover
Roadside assistance and selected emergency services for eligible truck breakdowns.
Credit Shortfall Cover
Cover for an eligible finance shortfall after a financed truck is written off or not recovered following theft.
Truck Driver Accident Cover
Personal accident benefit options for eligible truck drivers and declared crew following covered accidental injury.
Truck Insurance South Africa
Truck insurance options for South African owner-drivers, fleets and specialist transport businesses.
Vehicle configurations
Choose cover by truck type
Specialist vehicles create different loading, equipment, liability and recovery exposures. Select the closest vehicle type for focused guidance.
Horse and Trailer Insurance
Insurance for horse-and-trailer combinations used in long-distance freight, container work and general haulage.
View cover guideRefrigerated Truck Insurance
Insurance for refrigerated vehicles carrying food, meat, dairy, pharmaceuticals and other temperature-sensitive goods.
View cover guideFlatbed Truck Insurance
Insurance for flatbed trucks transporting steel, timber, machinery, building materials and oversized goods.
View cover guideTanker Truck Insurance
Insurance for tankers carrying fuel, chemicals, water, food-grade products and other bulk liquids.
View cover guideDump Truck Insurance
Insurance for dump trucks and tippers operating in construction, mining, quarrying and earthmoving.
View cover guideBox Truck Insurance
Insurance for enclosed trucks used in retail delivery, furniture removals, courier work and distribution.
View cover guideRigid Truck Insurance
Insurance for single-chassis commercial trucks with the cab and load body forming one vehicle.
View cover guideArticulated Truck Insurance
Insurance for truck-tractor and semi-trailer combinations used in long-haul and heavy transport.
View cover guideConcrete Mixer Truck Insurance
Insurance for concrete mixer trucks operating between batching plants and construction sites.
View cover guideLogging Truck Insurance
Insurance for trucks transporting logs, poles and timber from plantations to mills and processing facilities.
View cover guideCar Carrier Insurance
Insurance for transporters carrying new, used, auction, dealership and customer vehicles.
View cover guideRefuse Truck Insurance
Insurance for waste collection, refuse removal, recycling and municipal-service vehicles.
View cover guideCrane Truck Insurance
Insurance for truck-mounted cranes used in construction, lifting, equipment delivery and material handling.
View cover guideLowbed Trailer Insurance
Insurance for lowbed and low-loader trailers carrying plant, construction machinery and heavy equipment.
View cover guideAbnormal Load Truck Insurance
Insurance for vehicles transporting oversized, overweight or unusually configured loads under permit.
View cover guideNot sure which cover fits?
Submit the vehicle, cargo and route details. TruckCovered can help identify the sections and extensions that should be considered.
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