The ONE Owner Driver Policy is designed to meet the needs of vehicle owners who drive their own small truck or heavy commercial vehicle (HCV).

Target Market

  • Owner drivers with a single small truck or heavy commercial vehicle (HCV)

Specialist Features

  • A fixed-value option allows the policy holder to set the sum insured per vehicle for the life of the policy
  • If the sum insured is adequate, credit shortfall will be included
  • Credit shortfall also available separately as an add-on

Key Benefits

  • Comprehensive motor cover
  • Claims settled on full retail value
  • Cover for wreckage removal and cleanup, subject to a maximum of R25 000
  • Cover for goods in transit for R30 000 per load
  • Excess-free windscreen when use is made of our approved process of replacement
  • Motor liability cover for R5 000 000 with options to increase to R50 000 000
  • Fire and explosion liability cover for R5 000 000
  • Legal assistance for Road Accident fund claims 
  • Franchise excess of R5 000 in respect of own damage section

Optional Extensions

  • Loss of use cover
  • Theft/Hijack Excess helper
  • Own damage excess helper
  • Third-party excess helper
  • Windscreen cover
  • Increased cross border towing limits
  • Increased cover for goods in transit


  • Public vehicles
  • Military vehicles
  • Emergency vehicles


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