Just what you want for your business!
Keep your trucks moving with Miway business vehicle insurance shaped around your fleet, drivers and routes. Select protection against risks such as accidents, theft or hijacking, fire, specified natural events, window-glass damage and liability to other parties. Add the services and optional cover your operation needs, then confirm the final terms in your personalised quote and coversheet.
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Choose the insured risks and supporting options that match the vehicle, its body or accessories, the drivers, the goods or service carried out, and the territories in which it operates.
Where included, cover can pay reasonable towing and storage costs to move the insured truck to the nearest repairer after a valid insured event. Wreckage recovery must use an approved operator and is subject to the vehicle’s limit.
Eligible cover can provide 24/7 help for specified roadside events such as a flat tyre, flat battery, empty fuel tank, locksmith support or safe storage. Mechanical-breakdown towing for vehicles over 3 500 kg is a separate option and must be arranged through the approved assistance channel.
A business can select a regular-driver, named-driver or pool-driver arrangement to reflect how each truck is actually operated. The correct choice helps align underwriting, premium and claim assessment with the real driver pattern.
Tracking or telematics may be arranged or required for a truck. Qualifying cross-border cover can be selected, and border letters can be requested through the Miway App, subject to the territories and conditions shown on the policy.
Can cover loss of or damage to the insured truck caused by an accident or intentional damage by another person, subject to the policy conditions.
· Best fit when: Repairing or replacing the truck after physical damage would place material strain on the business.
· Confirm in the quote: Declared use, insured value, driver option, body type, excesses, exclusions and repair or settlement basis.
Can cover theft, hijacking, attempted theft or attempted hijacking when the security, tracking and notification conditions recorded on the policy are met.
· Best fit when: The truck, route, load or overnight location presents a meaningful theft or hijacking exposure.
· Confirm in the quote: Required tracking or telematics, subscriptions, response rules, keys, security devices and overnight risk address.
Can cover loss or damage caused by fire or explosion and selected events such as lightning, wind, storm, hail, flood, snow or earthquake, subject to exclusions.
· Best fit when: The truck operates or is stored where severe weather, fire or related physical loss could interrupt operations.
· Confirm in the quote: Events selected, territory, exclusions, insured value and whether accessories or body alterations are specified.
Can cover insured window-glass damage. The policy wording links some glass cover to comprehensive insurance and the cause of the damage.
· Best fit when: Windscreen and other glass replacement would be a meaningful operating cost.
· Confirm in the quote: Glass included, excess, approved supplier, limits and any comprehensive-cover condition.
Can cover the business’s legal liability for accidental damage to another party’s property following a qualifying vehicle accident, up to the limit on the coversheet.
· Best fit when: A truck could cause costly damage to another vehicle, building or other property.
· Confirm in the quote: Liability limit, excluded property, vehicle-claim dependency, towing activity and deductible or excess treatment.
Only one driver on duty? Or do your drivers do shifts? Choose a solution that suits your business.
A dedicated person is recorded as the driver who uses the truck most often in any given monthly period. Other authorised and appropriately licensed people may drive from time to time, but they must not become the most frequent driver. · Best fit when: One person normally operates the truck, with genuinely occasional relief drivers. · Confirm in the quote: The correct regular driver, their licence or PrDP, occasional-driver rules and any additional excess.
Up to five dedicated drivers are recorded for the truck. Only the named drivers are covered when this option is selected. · Best fit when: The truck is shared by a known shift team of no more than five people. · Confirm in the quote: Every driver’s details, licence class, PrDP where required, claim history and the process for updating the list.
More than five drivers can operate the truck without every person being specified, provided each driver has the correct valid licence or permit, has the business’s permission and complies with the policy. · Best fit when: Drivers rotate regularly, the roster changes, or more than five people may operate the same vehicle. · Confirm in the quote: Eligibility, licence and PrDP controls, authorisation records, excesses, exclusions and driver-management procedures.
A truck insurance premium is based on the risk presented by the vehicle and operation, not one standard price. Accurate information helps Miway calculate the premium and assess a future claim against how the truck is actually used.
· The vehicle: make, model, age, condition, value, gross vehicle mass, body type, repair cost and whether it has specialised equipment, refrigeration, a crane or other alterations.
· The business use: the work performed, goods carried, loading pattern, annual distance, route profile, operating hours and whether the truck crosses borders.
· The drivers: driver option, age and experience, licence class, required PrDP, incident history and driver-management controls.
· Security and location: day and overnight risk addresses, depot controls, tracking or telematics, anti-theft devices and theft-response arrangements.
· The cover selected: insured risks, insured value, territory, limits, excesses and optional benefits such as loss of use, credit shortfall, accessories or mechanical-breakdown tow.
Compare more than the monthly premium. Check the risks selected, value basis, driver arrangement, excesses, liability limit, territory, towing and recovery limits, tracking conditions, downtime protection, cargo and trailer cover, exclusions and claims support. An attractive truck insurance premium still needs to protect the losses the business cannot comfortably absorb.
The excess is the first amount the business must pay on a valid claim. The standard excess and any additional excesses are shown on the coversheet and can apply whether or not the incident was the policyholder’s fault. Recovery from another party is not guaranteed, so choose an excess the business can fund without disrupting cash flow.
· Check the excess for each insured truck and each selected risk.
· Ask when an additional excess may apply, including driver- or event-related circumstances.
· Budget for the excess as an immediate operational cost after a claim.
· Do not make a private recovery arrangement that could prejudice Miway’s rights against another party.
Cover applies within South Africa unless cross-border protection is specifically selected and recorded on the coversheet. Cover for neighbouring countries can be purchased. Extended-territory cover is available only when neighbouring-country cover has also been selected. Confirm the route, liability requirements, recovery and repatriation limits, and border documents before dispatch.
· Neighbouring countries: Botswana, Eswatini, Lesotho, Mozambique, Namibia and Zimbabwe, subject to the policy.
· Extended territories: the DRC south of and including Lubumbashi, Kenya, Malawi, Tanzania, Uganda and Zambia, subject to selection and policy conditions.
· Before the trip: confirm that every country on the route is included, obtain the required border letter through the current Miway App process and check towing, recovery and repatriation arrangements.
Miway may arrange or require a tracking, anti-theft or telematics device and record the requirement on the coversheet. The business must ensure each declared or required device is installed on time, paid for, maintained and working. After theft or hijacking, the tracking company must be notified within the policy’s required time.
· Keep installation certificates, device details and subscriptions up to date for each truck.
· Test that each device and recovery process works and train dispatch or control-room staff on the notification procedure.
· Tell Miway if a device, subscription, provider, overnight address, driver or vehicle use changes.
· After theft or hijacking, contact the tracking company within one hour of becoming aware of the incident, or as soon as reasonably possible thereafter, and then follow the claims instructions.
Optional benefits can help address downtime, finance and specialist truck costs that core insured risks do not automatically cover. Availability, premium, limits and exclusions depend on the vehicle and option selected.
After an incident, protect people and the load from further harm, contact emergency services where needed, and report the event to Miway as soon as reasonably possible. Register the claim through Miway’s approved business-claims channels and provide the requested evidence. Miway will assess the event against the coversheet and policy wording and explain the excess, recovery, repair or settlement steps.
1. Make the scene safe. Call emergency services when required, prevent avoidable further loss and do not admit liability or agree to a settlement with another party.
2. Record the incident. Capture the date, time, location, route, driver, vehicles, cargo and people involved. Keep photos, witness details, police information, tracking records and any transport documents requested.
3. Contact Miway. Register the incident through the current WhatsApp or call-centre channel shown on Miway’s claims page. Report any incident that may lead to a claim, even if the business is not yet sure it will claim.
4. Wait for approval. Allow Miway to assess the damage and arrange approved recovery or repairs. Do not authorise non-emergency recovery or repairs without Miway’s consent.
5. Support the assessment. Provide the information and documents requested, including driver, licence or PrDP details and contracts relating to goods being transported where relevant.
Prepare an accurate fleet and operating profile. This helps Miway recommend the correct vehicle, driver, territory and related-business covers and reduces the risk of a mismatch between the quote and the real operation.
· The legal business name, registration details, contact people and claims or incident history.
· A fleet list with each truck’s registration, VIN, make, model, year, value, finance status, gross vehicle mass and body or configuration.
· Every truck’s work, typical goods or services, loading pattern, annual distance, route profile and operating hours.
· The day and overnight addresses, depots, parking controls, access controls, tracking, telematics and other security measures.
· The driver arrangement for each truck, plus driver names where required, licence codes, PrDPs, experience and incident history.
· The countries and territories used, border-document needs and recovery or repatriation requirements.
· All trailers, refrigeration units, cranes, tanks, lifts, accessories, signage and other body alterations that need to be insured.
· The maximum load value and whether Goods in Transit, hazardous-substance or environmental-liability cover is needed.
· The insured risks, liability limit, optional benefits and excess the business could fund after a claim.
Understand how overloading can affect safety, wear, legal compliance and insurance cover. Read the vehicle overloading guide.
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We know the impact a loss can have on your business operations, so we’ll make sure our claims process is as prompt and pleasant as possible.
Register your claim via WhatsApp or via our call centre, so we can talk you through the process.
Truck insurance is business vehicle cover for specified medium and heavy commercial vehicles. Depending on the risks selected, it can help after accidental damage, theft or hijacking, fire, specified natural events, glass damage or liability for damage to another party’s property.
Miway truck insurance can cover selected accident and intentional damage, theft and hijacking, fire and explosion, specified natural events, window glass and liability to other parties. Towing, recovery, keys, roadside assistance and optional benefits may also apply, as recorded on the coversheet.
Miway’s Business Vehicles wording includes medium and heavy commercial vans and trucks registered in South Africa and specified on the coversheet. Mixed fleets may also include other eligible business vehicles. Special-purpose machinery may need a different product, so declare the exact vehicle and use.
There is no single truck insurance price. The premium can depend on the truck’s type, value, mass, body and repair cost; its use, loads, routes and territories; drivers and incident history; security and tracking; selected risks, limits, optional benefits and excesses.
Choose a single regular driver when one person drives the truck most often, multiple named drivers when a known team of up to five shares it, or pool drivers when more than five or a changing roster may drive. Every driver must meet the licence, permit, permission and policy conditions.
Cover outside South Africa must be specifically selected and noted on the coversheet. Neighbouring-country cover can be purchased, and extended-territory cover may be available when neighbouring-country cover is selected. Confirm every country, border letter, recovery limit and condition before the trip.
Miway may require or arrange tracking, anti-theft or telematics for a truck and record the requirement on the coversheet. Declared or required devices must be installed, paid for, maintained and working. The tracking company must be notified within the required time after theft or hijacking.
Not automatically. Truck insurance protects the insured vehicle and its selected risks. Stock, customer goods or other items being transported may need separate Goods in Transit cover, with their own insured value, risks, security conditions and territory. See Miway Goods in Transit cover.
The standard excess and any additional excesses are shown on the coversheet. The business pays the applicable excess on a valid claim, even when the incident was not its fault, and recovery from another party is not guaranteed. Choose an amount the business can afford at claim stage.
Make the scene safe, record the incident and contact Miway as soon as reasonably possible through the current business-claims channel. Provide the requested driver, vehicle, police, tracking, cargo and incident information, and obtain Miway’s approval before non-emergency recovery or repairs. Use the current instructions on the Miway claims page.
