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We would like the opportunity to assist you in doing a proper risk assessment of your transport business and to come up with alternative solutions to your risks, we will also evaluate you current insurance portfolio and come up with solutions that could save you thousands of Rands on premiums but more importantly your excesses. We want to enter into a partnership with you and your business to help you to effectively manage your transport risks
Olivier Risk Consultants is a specialist broker of Heavy Commercial Insurance that provides truck insurance products and services that exceed our customers's expectations. We are a specialized Heavy Commercial Vehicle insurance agency catering to companies owning a single truck to fleets with over 100 units.
We know the importance of speaking to someone who is knowledgeable and cares about you and your needs. Allow our friendly and experienced staff to handle all of your truck insurance questions. We offer a broad range of products designed to tailor your insurance policy for your specific needs. We arrange the following cover for clients,
- Comprehensive Truck Insurance
- Comprehensive Trailer Insurance
- Goods in Transit Insurance
- Loss of Use Insurance
- Theft/Hijack Excess Buy Downs
- Accidental Damage Excess Buy Downs
- Windscreen Insurance
- Plant and Machinery Insurance
- Motor Third Party Liability
- SASRIA
- Crisis Management - SOS International
- Speedy Claims settlement so that the effect of an accident or theft is minimised.
Olivier Risk Consultants is authorised and regulated by the Financial Services Board. FSB nr 39170
All you need to know about Heavy Commercial Vehicle Insurance (FAQ's)
What is HCV Insurance or Truck Insurance?
HCV or Truck Insurance is for commercial vehicles, with a weight of between 3 and 44 tonnes. Whether you have a rigid or articulated truck, a HCV insurance policy will cover you to drive the vehicle. You can take a policy which covers you for Haulage of client's or own goods.
Truck Insurance policies will still cover you for the standard levels of cover you are familiar with on a private car policy: Third party only, Third party fire & theft and Comprehensive cover. In addition to the level of cover other factors which affect the cost of your HCV policy will be the number of drivers covered. Typically a truck policy for individual or named drivers will be cheaper than a truck policy in a company name with any driver.
To be eligible to drive a Heavy Commercial Vehicle under the terms of your policy, you may need an HCV license depending on the size of the vehicle you will be driving. The HCV insurance market is a specialist sector, our panel of insurers will get you the most affordable Truck Insurance hassle free.
So whether you require HCV Insurance for a single vehicle or multiple trucks - we can tailor a policy to suit your requirements. If you need cross border cover with unlimited mileage our advisors will find the right truck insurance policy to suit your requirements. Get your Truck Insurance Quote through Olivier Risk Consultants and we guarantee the right HCV policy at the right price!
Why Olivier Risk Consultants?
We are one of the leading HCV Insurance brokers in South-Africa. We deal with the vast majority of Insurers and over time have developed many exclusive products with large insurers. We understand the need to keep your vehicle on the road following a road traffic accident, theft or Hijack. We have specialist and highly trained staff based in SA who can help with any query to ultimately offer you affordable Truck Insurance. We have developed many other insurance products for truck policies that go hand in hand at very competitive premiums. Goods in Transit Insurance, Loss of Use Insurance and Public Liability Insurance as well as Motor Breakdown are just a few examples.
Who Can Drive on my Truck Insurance Policy?
Just like all types of motor insurance any request can be made on your truck insurance. Insured Only, specifying named drivers or even Any Driver Over 25 years of age. The norm is that all drivers are over the age of 25 however we are able to quote for young drivers if required. Typically a SA or SADC driving licence is required for minimum of 2 years.
I want to start a Transport business - how do I get Affordable Truck Insurance?
We understand that a huge cost when starting your Transport business will be your Truck and trailer insurance. Earned no claims discount is usually a large factor of consideration with HCV Insurance companies. We do not believe in penalising an experienced truck driver for not earning No Claims Discount. We have negotiated huge introductory discounts from many of our insurance partners and pass these incredible savings onto our customers in the form of affordable truck insurance.
I may need to deliver goods into Africa?
SA Truck Insurance is the traditional contract. However it is becoming more regular that cross border use insurance is required. We can extend territorial limits on all our policies to include countries such as Namibia, Botswana, Zimbabwe, Mozambique, Zambia, Malawi, DRC and many more.
I'm expanding my business and want more Heavy Commercial vehicles
We are a specialist truck insurance broker and have access to many Truck Insurance and Fleet Insurance markets. Our typical HCV insurance schemes are designed for policyholders with 1 up to a 100 vehicles. If you have more then a Fleet Insurance Policy should be sought. We can offer excellent rates for all types of Fleet Insurance.
Types of Commercial Truck Insurance policyholders
The majority of HCV Insurance policyholders are Transport Contractors with policy terms of Carriage of Goods for Hire and Reward. In addition to these are Furniture Removers. There are also many Own Goods transporters. Coal Transport Insurance is a difficult area to obtain competitive premium however we are able to obtain quotes from a couple of insurers.
What else will I need?
Goods in Transit Insurance is usually a must for all policyholders. We have exclusive facilities with large insurance companies and can offer all types of Goods In Transit Insurance.
Public Liability Insurance and Employers Liability Insurance may also be prudent to obtain.
Excess Buy Back products that will lower the excess payable by you the client in the event of an incident.
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