Cover for vehicles and cargo.
WHAT COVER TYPES EXIST
Third-party, which is compulsory Comprehensive, covering your own vehicle Goods in transit, covering cargo Passenger liability, for passenger transport Employer obligations, for drivers
WHY THIRD-PARTY IS THE MINIMUM
It is required, and it covers harm to others.
WHAT IT DOES NOT COVER
Your own vehicle.
WHAT COMPREHENSIVE PROVIDES
Cover for your vehicle, subject to terms.
WHAT TO CHECK IN ANY POLICY
What use is covered Who may drive What is excluded The excess Conditions you must meet
WHY USE MATTERS MOST
A policy for private use does not cover commercial operation.
WHAT CONDITIONS TYPICALLY APPLY
Valid licence and documents Roadworthy vehicle Not exceeding capacity Reporting within a period
WHY REPORTING PERIODS MATTER
Late notification is a common reason claims fail.
WHAT GOODS IN TRANSIT COVER PROVIDES
Protection for cargo you carry.
WHAT TO ESTABLISH
The limit per consignment What goods are excluded What conditions apply
WHY LIMITS MATTER
A consignment worth more than the limit is underinsured.
WHAT TO DO ABOUT HIGH-VALUE LOADS
Establish cover before accepting them.
WHAT TO ESTABLISH ABOUT CUSTOMER GOODS
Whether they insure, or you do.
WHY
Assumptions on both sides produce uninsured losses.
WHAT TO PUT IN WRITING
Who bears the risk.
WHAT TO KEEP
Policies, schedules and evidence of premium payment.
