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Premiums quoted are risk profile dependent and reviewed annually based on risk profile and economic factors. Ts, Cs and limits apply.

Business motor insurance – keeping you on the road

Whether you’re transporting people or goods, allow us to offer you the insurance that keeps your business moving. We will cover your business’ commercial vehicles, motorcycles, motorscooters, buses, trailers, caravans and even private vehicles.

Browse below to find out more about each of our business motor insurance options. And remember, we are ready to help you create the perfect, customised solution to match your specific needs.

Comprehensive business motor insurance

Choose us for comprehensive insurance and your vehicle will be covered against loss…

Choose us for comprehensive insurance and your vehicle will be covered against loss or damage from nearly anything. This cover extends across SA and into Namibia, Botswana, Lesotho Swaziland, Zimbabwe, Malawi and Mozambique.

As standard, we provide cover against:

Accident damage.
Theft and damage due to attempted theft.
Hijack and damage due to attempted hijack.
Damage due to fire, explosion, hail, storm, wind and flood.
Damage or loss to spare parts when in / on the vehicle.
Damage or loss to factory fitted accessories.
Medical expenses to passengers in the event of an accident.
Reasonable cost of securing and removing a vehicle after an accident.
Liability to a third party.

Additional cover options:

Vehicle hire after an incident.
Vehicle loss of use cover.
Extended liability cover for employees, partners, directors or members.
Passenger liability and unauthorised passenger liability.
Cover in extended territories, including DRC, Kenya, Tanzania, Uganda, Rwanda, Burundi, Angola and Zambia.
Liability cover if your vehicle impairs the environment (spills, etc.).
Loss of keys cover.
Credit shortfall cover.
Cover for fire extinguishing costs.
Riot and strike cover.
Parking facilities and movement of third party vehicles.
OUT-in-Africa cover for 4x4 vehicles used privately beyond SA borders.

Goods in transit insurance

Enjoy cover for the loss or damage of your goods while they’re in transit…

Enjoy cover for the loss or damage of your goods while they’re in transit, whether being transported by road, air, rail or even post.

As standard, we provide cover against:

Damage from accident, collision, derailment or overturn.
Damage from theft and hijacking.
Damage form fire and explosion.
Weather damage from lightning, storm, wind, hail and snow.

Additional cover options:

Cover for deterioration or contamination of refrigerated goods in transit.
Overloading allowance up to 5%.
Cover in extended territories, including DRC, Kenya, Tanzania, Uganda, Rwanda, Burundi, Angola and Zambia.
Driver fidelity cover.
Debris removal cover.
Riot and strike cover.
Fire extinguishing cover.

Limited cover options

If your business does not require comprehensive cover, you may wish to explore a…

If your business does not require comprehensive cover, you may wish to explore a limited cover option. While you won’t enjoy our full offering, we will be there when your business needs us most.

These cover options include:

Liability to other parties only.
Comprehensive cover, excluding theft and hijack.

Motorcycles also have the following options:

Comprehensive cover, excluding liability to other parties.
Limited cover, excluding liability to other parties.
Comprehensive cover, excluding liability to other parties and riding damage.

Why choose to insure your business vehicles with OUTsurance?

Tailored solutions

Specialist and specific motor insurance, matched to your unique business needs.

True value

A unique premium that is based on your business’ risk factors, so you’re not subsidising higher risk clients.

Low, flat excess

One fixed excess amount, even if you claim for multiple risks in one incident– no surprises that can threaten your cashflow.

OUTbonus (standard feature)

After three claim-free years, you get 10% of your total premiums paid back in cash to boost your bottom line.

Emergency assistance

24/7 Help@OUT roadside assistance, giving you peace of mind, always.

Business OUTsurance Brokers come to you

Depending on the complexity of your business, you may qualify for a dedicated Business OUTsurance Broker. Not only will this insurance professional help you navigate your unique needs to create your custom solution, they will become your on-going, single point of contact.

To connect with a Business OUTsurance Broker, you’ll need to start a quote.

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