Probiz – Vehicles
Please note: The following is only a guide to assist you in determining your risk profile and assessing your insurance needs and should be seen as such. Your proposal form, policy document and schedule should be seen as your contract with Indequity Specialised Insurance Ltd, in conjunction with all other correspondence that may be sent to you from time to time. These are the legal documents forming the basis of our contract with you and should be consulted in all instances.
The following vehicles can be included in your business cover with Indequity Specialised Insurance Ltd:
South African registered passenger vehicles
Light delivery vehicles (LDV)
Caravans or trailers
which are listed on your schedule and owned by you.
The following are not covered:
Emergency services, traffic control and armed response vehicles
Law enforcement vehicles
Taxis, buses and any vehicles carrying fare-paying passengers
DRIVERS OF VEHICLES
You can insure your vehicle for any one of the following:
1. Single regular driver
This is the person who drives the vehicle on a regular basis in any monthly period. By specifying a single regular driver, you confirm that no other person drives the vehicle on a regular basis.
2. Multiple regular drivers
You can specify up to three drivers who all use the vehicle on a regular basis in any monthly period.
3. Pool Vehicle
A pool vehicle is a vehicle with non-specific regular drivers, as the vehicle is used randomly by more than three drivers in any monthly period.
Your vehicle is covered in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia and Swaziland when used for private purposes.
If your vehicle is insured for business use, it is not covered while being used for business purposes outside South Africa, unless you have selected the specific optional cover for business use in neighbouring countries. It will still be covered when used for private purposes.