Truck & Plant On-Demand™ Insurance
A global insurtech first for commercial vehicles and plant machinery
Never waste another insurance premium on cover you don’t need. Switch to our innovative on-demand insurance cover uniquely designed for the civil, construction and transport industries.
Truck & Plan On-Demand™ allows you to only pay for cover when you need it and to change your cover based on your business operations at any given time. It’s all in your control.
Whether you’re an owner-run small business, a construction company, or one of the biggest fleet operators on the road, we offer cover tailored to your needs.
How it works
With Truck & Plant On-Demand™ you have full control of your insurance cover. You choose what you want to insure, when you want to insure it, and how you want to insure it. We understand your industry and need for cover to change as your business needs do.
Our offering was created on the simple premise that you shouldn’t have to pay the same premium every month, when the cover you need isn’t always the same.
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Become part of us!
If your fleet is out on the road or in the garage, your risk profile changes – and so too should your insurance premiums. Similarly, if your construction machinery (plant) is on-site for a project, or in storage, you can now pay for your cover on-demand – and significantly reduce your insurance costs without compromising your cover. Our cover ranges from Comprehensive Cover for when you’re fully operational or just Fire, Theft and Malicious Damage Cover if your assets aren’t in use.
Efficient service
We have a national network of the best Auto Body Repairers available at any given time to ensure quick and efficient repairs to vehicles or machinery. We will authorise claims within 48 hours of receiving all necessary documentation and the assessor’s report.
No-fuss cover
We keep it simple – no need to identify regular drivers or limiting cover to a specific pool of drivers or operators.
What we cover
Truck & Plant On-Demand™ offers a comprehensive range of insurance products for all types of commercial operations. We’re always available to discuss your unique needs and can tailor our cover for your unique business.
Commercial Vehicle Insurance
We offer the full spectrum insurance including heavy commercial vehicles (HCVs), trucks and trailers. Our cover includes recovery, non-accident towing, windscreen damage, and roadside assistance.
Plant All Risk Insurance
Covers for loss of, or damage to, construction plant and equipment whilst in storage, transit, on the contract site or when in use as a tool of trade.
Tool Hire
Power tools, small plants, equipment, and machinery can now be insured with our comprehensive On-Demand cover. We provide adjustable cover for all types and sizes of tools and equipment with the advantage of short-period cover, as and when you need it. This service is available for end users and Tool Hire companies, where our latest technology seamlessly integrates with any Tool Rental Software to provide you with on-demand cover like never before.
Other available insurance products
- Environmental spillage and clean-up
- Excess Buy down,
- Downtime Cover,
- Group Personal Accident,
- Contactors All Risk Liability,
- Machinery Breakdown,
- Loss of profit due to Machinery Breakdown,
- Commercial and Domestic Insurance,
- Travel Insurance,
- Employment Practice Liability cover,
- General Liability,
- Directors Liability Insurance,
- Professional Indemnity
Don’t see the cover you need? Chat to our team about your specific insurance needs.
Territories covered
Truck & Plant On-Demand™ cover South Africa but we also offer cover in our neighbouring countries: Namibia, Botswana, Zimbabwe, Lesotho, Mozambique, Swaziland, and extended to Malawi on request, the traditional way.
Our promise to you
As a service provider to the industries that are the backbone of the South African economy, Truck & Plant On-Demand™ is committed to delivering the highest level of customer service and delivery. You can put us to the test on any of the following promises:
Competitive premiums
Simple and easy to understand policy wording
Policy requirements explained on request, ensuring cover matches your needs
Low but suitable excess structures
Giving you the opportunity to choose your preferred auto body repairer
Authorise claims in 48-hours once all required documentation and/or assessor’s report is received
Inclusion of towing costs and benefits within our premiums
Simple claims process
We’ve made our claims process as simple as possible. Our top priority is to keep down time to a minimum to reduce the impact on your business. We do our best to authorise repairs within 48 hours of receiving all necessary documentation and/or the assessor’s report.
Claims are lodged directly on our web portal and a Claims Assistant will be assigned to guide you through the process and give you the support you need to have your claim speedily resolved.
How to claim
By understanding and following these processes, we can ensure your business is back up and running as soon as possible:
- Lodge a claim on the Web Portal or report it during office hours on 0861 086 000.
- You must contact our ONE Incident Management Centre (IMC) toll free number on 0861 000 286 or 087 066 0286 to arrange towing, or other roadside assist services.
- Within 24 hours report the accident to the police and obtain a police case number.
- Get the details of all third parties, including:
- Vehicle Registration Number and
- Driver's name and
- Driver's identity number and
- Vehicle owner's name and
- Vehicle owner's phone number and
- Insurance details and policy number
- Get the vehicle towed to the nearest place of safety.
- Within 24 hours report the accident to the police and obtain a police case number.
- Report loss to us within 7 days.
- Lodge a claim on the Web Portal.
- Forward the fully completed claim form at your earliest convenience.
- Take photographs of the damaged areas of the vehicle or machine.
- Forward police case number.
- Submit repair quotation.
- Provide legible and clear copies of:
- Drivers Licence and
- Professional Drivers Permit (PrDP) or
- Operator’s Licence Card and
- Certificate of Fitness (CoF) and
- Driver or operator’s accident statement and
- Any internal movement / transport report (if applicable).
- Reasons for holding you liable in writing.
- Copy of drivers licence and I.D.
- 3 x Quotations
- Photographs in confirmation of damages to vehicle or asset damaged.
- Proof of their banking details.
- Confirmation/affidavit declaring that they will not be claiming from their policy or that they are uninsured.
- Fully completed claim form.
Market Value is the amount you will be paid out and is stipulated in the monthly changing Trans Union Auto Dealers Guide or in the case of Plant, the average market value obtained from the dealer. The stipulated amount will be paid out plus extras, less the applicable excess, for example:
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Settlement on a total loss of 2007 Mercedes Benz 2535 LS/39 Axor 2 c/c T/T, chosen to be insured on an ongoing basis and forms part of other items insured.
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Example current Market Value Value of Extras at Market Value |
R 683 650 R 65 950 |
| Applicable Excess | A sum or a percentage due to value, whichever the greater. In this scenario: R20 000 but not less than 10% |
| Value settlement | R 749 600 less 10%, seeing that is the greater, R74 960 thus R 674 640. |
OR
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Settlement on a total loss of 2007 Mercedes Benz 2535 LS/39 Axor 2 c/c T/T, chosen to be insured on a short period and does not form part of other items insured.
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Example current Market Value Value of Extras at Market Value |
R 683 650 R 65 950 |
| Applicable Excess | A sum or a percentage due to value whichever the greater and in addition less than annual premium. In this scenario: R20 000 or 10% whichever the greater and in addition, the annual premium too |
| Value settlement | R 749 600 less 10% of value, seeing that is the greater than the minimum excess calculation and in addition, the annual premium too, in this scenario calculated at 4% thus R 644 656 |
Why Choose Our InsurTech Solutions?
Data Analytics and AI: Our advanced AI and data analytics capabilities allow us to assess risk with unparalleled accuracy, automate underwriting processes, and tailor insurance offerings just for you. By analysing vast amounts of data, we can anticipate your needs and craft policies that provide optimal protection.
Two-Factor Authentication: Experience peace of mind with our secure login system, designed to protect your insurance contracts and claims. Our robust two-factor authentication ensures a tamper-proof record of transactions, giving you and all parties involved access to transparent and secure information.
Seamless Digital Platforms: Our user-friendly digital platforms revolutionize the way you purchase and manage insurance policies. Easily obtain quotes and manage claims online, all while enjoying an enhanced customer experience that puts you in control.
Transforming the Insurance Landscape
Our InsurTech solutions are leading the charge in reshaping the insurance landscape. While traditional insurers are gradually catching up, we are already driving innovation and embracing new technologies to stay ahead. This commitment to progress ensures that you receive the most advanced and efficient insurance solutions available.
Join the InsurTech Revolution
InsurTech is not just about keeping up with change—it's about setting the pace. As technology evolves, we are dedicated to offering you more tailored and accessible insurance solutions, ensuring you are protected when it matters most. Embrace the future of insurance with us and experience a customer-centric approach that adapts to your ever-changing needs.
Discover the Power of On-Demand Insurance
Step into a world of flexibility and control with our on-demand insurance solutions. This dynamic model empowers you to tailor your coverage to fit your exact needs, whether by activating, deactivating, or adjusting it. Pay only for the protection you need, precisely when you need it. Ideal for individuals and businesses alike, our on-demand insurance offers comprehensive coverage while your assets are in use or on the road. During downtime, such as long weekends or builders’ holidays, you can easily reduce coverage, ensuring cost-effectiveness without compromising on protection.
How It Works: Seamless and Adaptable
Experience the ultimate in adaptability with our on-demand insurance. Effortlessly manage your coverage through our intuitive technology or online platform. Decide when to activate or adjust your coverage, knowing that even when minimized, your assets remain safeguarded against fire, theft, malicious damage, and other risks like hail or lightning. Our subscription-based model provides you with tailored options, variable pricing, and flexible terms, perfectly aligning with your unique needs.
Leading the Way in On-Demand InsurTech
We are pioneers in offering cutting-edge on-demand InsurTech solutions, setting the standard in South Africa where traditional insurers have been slow to adapt. Our innovative approach ensures you receive the most advanced and efficient insurance options available. Assess your specific needs and circumstances with our expert consultants, who are ready to show you how on-demand insurance can lead to significant cost savings while enhancing your coverage.
Conclusion: Embrace Modern Insurance Solutions
On-demand insurance is more than just a modern approach—it's a revolution in coverage. Enjoy unparalleled flexibility and control, ensuring you and your business are protected precisely when needed, without unnecessary expenses. Whether used alone or alongside traditional insurance, our solutions provide peace of mind and financial efficiency. Join us in embracing the future of insurance and experience the benefits of on-demand coverage today.
Revolutionizing Your Insurance Experience
Welcome to the future of insurance with InsurTech—where innovation meets simplicity. InsurTech, or "Insurance Technology," is at the forefront of transforming the insurance industry, redefining how we operate, engage with customers, and deliver exceptional services. By harnessing the power of cutting-edge technologies like artificial intelligence (AI) and big data analytics, we are committed to enhancing efficiency, reducing costs, and providing you with personalized insurance solutions that fit your unique needs.
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Get On-Demand Insurance – Only Pay for What You Need!
Flexible, cost-effective insurance for your vehicles, plant, and equipment. Activate coverage when you need it - no wasted premiums!