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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:
HEAVY COMMERCIAL VEHICLE (HCV)
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
GOODS IN TRANSIT (GIT)
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
• SASRIA
• Debris Removal – R 30 000
Optional Extensions:
• GIT Basic Excess Reducer
• GIT Theft/Hijack Excess Reducer
• Cross Border Riot & Strike cover
Exclusions:
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.
COMMERCIAL INSURANCE
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.
ROADSIDE ASSISTANCE
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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
ROADSIDE ASSISTANCE AND ACCIDENT MANAGEMENT FOR VEHICLES OVER 3500KG
• 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 FOR VEHICLES UNDER 3500KG
• 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
DRIVER PRODUCTS
VAPS HCV DRIVER ACCIDENT COVER
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
Circumstances
Death (Accident)
Permanent Disability (Accident)
Medical Expenses
No. of persons per vehicle covered
24 hrs. Medical Evacuation
Premium (incl VAT)
Compensation
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
Excess
R 5000 per Insured Person Permanent
R 5000 per Insured Person
Nil
N/A
N/A
VAPS HCV DRIVER TRAINING
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.
RISK & BUREAU SERVICES
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 option required.
• 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
intervals.
• 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
leigh@check-your-driver.co.za 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
VAPS HCV TELEMATICS
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.
VAPS HCV RISK & BUREAU SERVICES
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.
Features:
• Driver Monitoring
• Real-time Route Monitoring
• Consultancy Services
• 24/7 Emergency Response Centre
• Data Analytics
• Reporting
ENVIRONMENTAL COVER
POLLUTION/SPILLAGE COVER by Envirosure
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.
