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The following products are available exclusively through our licensed

FAIS Insurance Intermediaries. For a quote please contact your

broker or we can refer you to one of our brokers:


Product HCV yellow

The Motor section insures a client for the loss of, or damage to, their trucks, motor vehicles, trailers and equipment due to accidents, fire, hail, or theft/hijack. At VAPS HCV we provide cover for various types of transport companies including:

•   Long & Short haul transporters

•   Passenger transporters (Excluding taxis and Uber         vehicles)

•   Sand & Stone transporters

•   Agri transporters (Part-time transport contractors)

•   Commercial clients transporting their own goods

Cover options:

•   Comprehensive Cover on HCV’s, Trailers, Buses,           Commercial Vehicles, PMV’s, LDV’s & Special               Types

•   Third Party Fire & Theft Cover Only

•   Third Party Only Cover Only

Benefits included:

•   Cross Border Towing & Recovery – R 15 000

•   Towing & Recovery Costs up to R 30 000

•   Territorial Limits – Africa, South of the Equator.

•   Replacing Locks, Keys and Remotes up to

     R 25 000

•   Motor Third Party Liability of R 5 000 000

•   Fire Extinguishing charges up to R 15 000

•   Wreckage Removal for R 25 000

•   Temporary Repairs up to R 15 000

Optional Extensions:

•   VAPS HCV Assist – Commercial Roadside Assistance: 

   >   Mechanical & Electrical Breakdown Towing  (Up to              250 km per incident – Covered up to R15 000 per              incident)

   >  Flat Tyre Replacement Assistance (Up to R 1000 per         incident)

   >  Fuel Delivery Service (Up to R 1000 per incident)

   >  Locksmith Assistance (Up to R 1000 per incident)

   >  Flat Battery Assistance (Up to R 1000 per incident)

   >  Recovery / Winching Assistance ( Up to R 1000 per           incident ) 

   >  Vehicle Protection Service

   >  Accident Management 

•   Personal Accident Cover for Driver of R 100 000 for           Death and Permanent Total Disability

•   Windscreen Cover up to R 15 000

•   Extended Motor Third Party Liability of up to

     R 10 000 000

•   Excess Reducers – Own Damage, Theft/Hijack, Third           Party, Windscreen and Penalty excesses

•   Increased Cross Border Towing & Recovery up to

    R 50 000 per Insured Item

•   Loss of Use

•   IVP


Product GIT green

Goods in Transit Insurance, sometimes referred to as GIT, insures goods against loss or damage while being moved from one place to another. We provide cover for the following general categories:

1. Professional transport companies transporting            cargo on behalf of their clients for compensation.

2. Part-time transport contractors, like farmers,              usually transporting their own goods but                      occasionally also goods for third parties receiving        compensation for their work.

3. Commercial and Agricultural clients transporting        their own goods in or on their own vehicles with a        specified maximum load limit per vehicle or with a      limit per consignment.

Cover options

(Maximum limit of R 3 000 000 any one load):

•  All risks: The client will be covered for the loss of,        or damage to, goods in transit that belong to them      or for which they’re responsible. Cover applicable        whether the cause is an accident or any other type      of incident. 

•  Fire, explosion, collision, derailment and                       overturning only.

•  Fire, explosion, collision, derailment and theft and        hi-jack only

Benefits included in the VAPS GIT policy:

• First Loss basis – This benefit negates the calculation of     average with regards to VAPS HCV policies.

•  Shipping Container cover – Up to R 60 000 per                 container

•  Driver Fidelity cover included

•  Cover for Tarpaulins, Nets & Ropes – R 15 000

•  Territorial Limits – Africa, South of the Equator

•  Fire Extinguishing charges

•  Salvage & Load Recovery costs – R 25 000 per event


•  Debris Removal – R 30 000

Optional Extensions:

•  GIT Basic Excess Reducer

•  GIT Theft/Hijack Excess Reducer

•  Cross Border Riot & Strike cover


Loss or damage to certain types of goods or caused by certain events are excluded. Please refer to the policy exceptions, conditions and exclusions for more details.  


Product Comm Ins blue

At VAPS HCV we insure Non-Motor commercial sections for transporters including Fire, Buildings, Electronic Equipment and Business All Risks.

Cover Options

• Fire Insurance, otherwise known as ‘property’               insurance, indemnifies a client in the event of an           insured events like fire, lightning or thunder.

• Buildings Combined cover fixed structures such as       offices, outbuildings, and fixtures and fittings               against losses and the financial costs

• Office Contents This covers office content,                   including stationery and staff personal effects to         furniture and loss of rent. Contents of transporter         offices can be insured under this section.

• Business Interruption insurance covers                         consequential losses, like loss of profit, after an           insured event has taken place.

• Accounts Receivable covers loss or damage as a         result of an accident or misfortune to a client’s             accounting records or other business books

• Theft insurance covers loss of or damage as a result     of theft and accompanied by forcible and violent         entry or any attempt thereat.

• Money section covers a business in the unfortunate     event of financial loss due to the loss of, or damage     to, any money kept

• Glass section covers loss of or damage to internal       and external glass (including mirrors), signwriting       and treatment

• Fidelity section covers a client for dishonest and               unlawful actions by employees that could harm their         business’ finances or reputation.

• Business All Risk cover is one of the most                           comprehensive types of cover available - it covers             items which belong to the client and are usually worn         or taken away from the business risk address.

• Accidental Damage insurance acts as a safety net,             covering the accidental physical loss of, or damage to       property that is not covered in any other section of the     policy.

• Public Liability insurance covers a client for damages       which they become legally liable to pay to a claimant if     they have been proven negligent

• Employers Liability insurance covers damages, which a     client shall become legally liable to pay, consequent           upon death of, or bodily injury to, or illness of any             person employed under a contract of service or                 apprenticeship.

• Electronic Equipment covers loss of, or damage to,           electronic equipment (Computers, printers etc)                 described in the schedule at a client’s premises

• Motor Traders Internal and External insurance is               designed specifically for members of the motor trade         industry – such as car dealerships and motor repairers –     and extends to cover damage to customers’ vehicles,         either at or away from their premises.


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VAPS HCV ASSIST offers 24 hours, 7 days a week, assistance to HCV’s, Trailers, Commercial Vehicles, Pmv’s, LDV’s & Special Types


• Mechanical & Electrical Breakdown

  Covered to the nearest repairer up to a maximum of    250 km per incident – Maximum cover of R 15 000      per incident

• Flat Tyre Assistance

  Callout fee covered up to R 1000 per incident

• Flat Battery Assistance

   Callout fee covered up to R 1000 per incident

• Locksmith Assistance

   Callout fee covered up to R 1000 per incident

• Recovery/Winching Assistance

   Callout fee covered up to R 1000 per incident

• Vehicle Protection Service

   Subject to availability in the specific area

• Accident Management

   Annual Limit of R 15 000 per vehicle


• Roadside Assistance and Accident Management

  24 Hour roadside assistance that will assist you in the        event of a roadside or non-roadside emergency Annual      Limit of R 5000 per vehicle


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Policy Features 

•  Emergency Assistance after an accident

•  Covers drivers in hospital after an accident

•  Pays out in the event of accidental death or                 disability

Policy Benefits


Death (Accident)

Permanent Disability (Accident)

Medical Expenses

No. of persons per vehicle covered

24 hrs. Medical Evacuation

Premium (incl VAT)


R 100 000 per Insured Person

R 100 000 per Insured Person

R 50 000 per Insured Person

2 (Two)

Arranged through VAPS Call Centre 

R 45 per vehicle per month


R 5000 per Insured Person Permanent

R 5000 per Insured Person






VAPS HCV in association with Masterdrive offers our clients industry-accredited

driver training through their Mastertrucker program.


The training can include the following courses:

• Defensive driving – HGV and commercial 

• HCV Rollover Prevention


• Medium commercial vehicle (MCV) driver training

• Driver Assessments


Areas of training:

• Liquid and dry bulk

  Heavy-duty vehicle rollovers and the consequential damages, particularly when fuel and other dangerous goods

  are involved, can be massive. This dictates that practical training, for drivers to better understand critical factors,

  is essential.

• A Solid Load

  Solid loads require a specific skill set to prevent costly rollovers. Drivers need to adapt to changing loads and

  adjust driver behaviour to avoid rollovers.

• The MasterTrucker

   This rollover truck is a fully equipped tanker with outriggers. This allows drivers to feel at what point a rollover

   can occur without going over. Drivers also learn about factors such as the Centre of Gravity (COG) snd

   centrifugal forces and how they can significantly impact the driver’s risk of rollover.

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VAPS HCV TRACKING & RISK MANAGEMENT (HCV’s, Trailers, Commercial Vehicles, PMV’s, LDV’s & Special Types)

Tracking Requirements 

•  All Vehicles with a Value of more than R 200 000 – Tracking device with Recovery optiorequired.

•  All Medium & Long-Haul HCVs and Buses with a value of more than R 800 000 – 2 Camera Video Telematics       and Tracking system with Recovery option and vehicle monitoring including monthly driver monitoring       

   reporting required.
•  All Trailers with a Value of more than R 200 000 – Non-Wired Trailer Tracking unit to be installed in/on either

   front or rear trailer link with a battery life of at least two years. One unit per trailer combination.
•  Goods In Transit with a Value/Load Limit of R 1 200 000 and above - Independent Tracking units installed

   in/on both trailer links, wired to Suzi power with battery backup for at least 5 days and must include trailer

   disconnect alerts.
•  All Vehicles with a Value below R 200 000 – VESA level 3 or 4 or factory fitted alarm/immobilizer and/or

   Tracking device

Transport Risk Management Guidelines

1. Roadworthiness compliance must be adhered to:

•  Truck and trailer brakes must comply with SANS                10047.

•  Maintain vehicles and service vehicle at approved


•  Keep a serviced fire extinguisher fitted to all trucks.

2. Please ensure all Foreign Drivers have a valid         

    license and PDP.

    Contact Leigh at Check-your-driver at or 084 597 6542 to            verify any Driver’s license

3. Tracking Devices : Theft/Hijack

•  All Vehicles with a Value of more than R 200 000 –     Tracking device with Recovery option required

•  All Vehicles with a Value below R 200 000 – VESA      level 3 or 4 or factory fitted alarm/immobilizer            and/or Tracking device

4. Claims Procedures to be followed in the event of        Loss or Damage which may give rise to a claim:


VAPS 24/7 Emergency Assist – 066 251 3044



For your benefit, we take risk mitigation seriously! Through our partnership with iCam,

we can assists our clients with real time, location based tracking.

Some of the features include:

•  Video Systems

   Our Vehicles Video Systems range from 1 to 16 camera channel devices with models to suit all vehicle types. 

   All devices are embedded with GPS, WiFi, 4G SIM) and Accelerometer modules. Video resolution is configurable

   from VGA to FULL HD 1080P for high resolution footage. Video is available in 3 categories:

   - Live Stream feed via mobile network

   - Event/Alarm Trigger video from our server and

   - Historical Footage directly from the device memory sourced by date and time.

   On board memory storage capacity ranges from 64GB to 2TB providing up to 900 hours of footage

•  Tracking & Telematics

   These Vehicles, Machine, Asset or Trailer based tracking products include access to CANBUS, third party devices

   such as temperature control, fuel probes and the like.Driver ID, RFID buttons, Two-way Communication, Satellite   

   Modules are some of our accessories available with these tracking and telematics products all reporting to

   our Platforms, 24/7 Bureau with Recoverand Monitoring options.

• Driver Fatigue & ADAS
   Integrated with our Video Telematics Products reporting to a Single Platform for simple operation ensuring Driver     Safety and Fleet Safety. Warning for Fatigue, Distractions, Mobile Phone Use as well as Headway, Collision and 

   Pedestrian warnings make up some of the features offered by our on-board Fatigue & ADAS Cameras.
   Our latest addition includes Facial Recognition available 
on our Fatigue Camera.


When they’re driving – We’re monitoring.

VAPS HCV Risk & Bureau Service is a policy add-on that assists our clients with fleet control room activities backed by highly proficient hindsight, insight and foresight data analytics and reporting for the streamlining of a fleet operation. Dedicated fleet controllers assist with monitoring of vehicle movements, incidents, alerts and alarms and shares this real-time information with the VAPS Assist 24/7 Accident Centre. Our highly experienced fleet consultants interrogate and interpret vehicle data to provide the insights and actions needed for future cost reduction and operation improvement.


• Driver Monitoring

• Real-time Route Monitoring

• Consultancy Services

• 24/7 Emergency Response Centre

• Data Analytics

• Reporting


Product Environm tur



Envirosure offers a comprehensive environmental policy for customers transporting hazardous goods and potential pollutants. Over the years this cover has been perfected to offer the most value to the Insured. This cover is designed to protect transporters of dangerous goods and potential pollutants from the extensive costs of pollution and rehabilitation following an environmental incident. Potential pollutants can include items as diverse as food products, paint and detergents. Policyholders automatically qualify for a Service Level Agreement with Spill Tech.
This ensures that any clean-up will be handled by a leading South African spill-response company.

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