Transport risk is operational, not theoretical. We structure fleet insurance programmes that keep your trucks on the road and your cash flow intact.
Running a transport operation of 30 to 200+ trucks in South Africa is a high-stakes environment. Cross-border routes, deteriorating infrastructure, and hijacking syndicates create constant exposure.
The challenge is that standard fleet insurance often treats your business as a simple vehicle schedule, rather than a complex logistical operation. This can leave hidden gaps in goods-in-transit or third-party liability cover.
UIB does not accept the first quote from an underwriter. We evaluate your operational reality: your route risk, your cargo concentration, your driver experience, and your maintenance standards.
By matching your insurance structure to your actual operational data, we negotiate better terms. We have successfully restructured large fleet insurance programmes, returning clients 20-30% per year in retained premium. We turn insurance from a sunk cost into a managed financial strategy.
We protect your balance sheet against thirdparty and public liability claims arising from road incidents or environmental spills. We also structure excess reducers to manage your out-of-pocket exposure during highfrequency claim periods.
Cargo represents your contractual commitment. We structure GIT cover that addresses loading exposure, warehousing integration, and hijacking patterns, ensuring you are never left holding the liability for a lost load.
We design cover that considers the revenue impact of vehicle downtime, heavy haulage requirements, and cross-border activity. We ensure your excess levels match your financial tolerance.
We provide a full spectrum of protection designed specifically for the demands of the South African transport sector.
For transport operators handling import/export cargo, we integrate marine transit policies to ensure seamless protection from port to final destination.
For mature transport operators with strong risk management and predictable claims data, traditional annual insurance placement becomes inefficient.
UIB designs alternative risk transfer and self-insurance frameworks that allow you to retain risk profitably and take control of your capital.
Allow us to review your current fleet insurance programme. We will identify any structural gaps, assess your risk retention, and show you exactly where we can improve your financial efficiency
