Truck insurance for South African businesses and fleets

• 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.

• 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

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

• 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.

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.

• 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.