Transport insurance
Truck Insurance Broker South Africa
HCV and commercial truck cover for rigid and articulated operators — structured for South African roads, routes and underwriting appetite.
Truck insurance for heavy commercial vehicles sits in a different market to private cars or light bakkies. Insurers look at vehicle class, values, use (own goods vs hire and reward), overnight parking, driver controls and claims history before they price.
Rand-Pro helps operators place cover for rigids, articulated combinations and trailers — including mixed schedules — without forcing everything into a one-size motor policy. We compare markets that actually underwrite HCV risk in South Africa.
If you also carry cargo for reward or under contract, pair truck cover with goods-in-transit. Fleet operators should review the fleet page for multi-vehicle programmes.
What we help structure
- Rigid and articulated HCV schedules
- Trailer and combination cover where underwriting allows
- Hire-and-reward vs own-goods use structures
- Links to GIT, liability and loss-of-use options
- Broker-led claims support after an incident
Part of our transport insurance cluster and heavy haulage service.
Frequently asked
Common questions about truck insurance — select one to reveal the answer.
No. Standard personal or light commercial motor products rarely fit high-value HCVs, long-haul use or trailer combinations. Truck programmes use commercial / HCV wording and schedules.
Need a transport review?
Speak to a broker — no obligation. We will come back with options within one working day.