Business insurance
Your vehicle is your business. Insure it that way.
Specialist cover for owner-drivers — the vehicle, the contract and the income that depends on both.
- Vehicle cover
- Goods in transit
- Third-party liability
Owner-driver insurance is specialist cover for the contractors and small operators who own and drive their own delivery vehicles — often under contract to a larger logistics or courier company. It protects the vehicle, the goods and your liability, so your livelihood keeps rolling.
Owner Driver Insurance helps protect your vehicle, your income and your business when you work as an independent contractor, courier or delivery driver. We compare South Africa's leading insurers, explain the differences and help you choose cover that meets your contract requirements without paying for extras you don't need.
What Owner-Driver covers
Vehicle cover
Comprehensive accident, theft and hijacking cover for your vehicle.
Goods in transit
Cover for the goods you carry on behalf of your principal.
Third-party liability
Damage your vehicle causes to others while you work.
Contract compliance
Cover structured to meet your principal company's requirements.
Public liability
Liability cover for your operations as a contractor.
Downtime options
Help keeping you trading after an accident or breakdown.
Who owner-driver is for
- Owner-drivers contracted to logistics firms
- Independent courier and delivery operators
- Small transport contractors
- Anyone who owns and drives their own work vehicle
Owner-Driver FAQs
Why do I need owner-driver cover specifically?
Owner-drivers carry a unique mix of risks — the vehicle, the goods you transport, and liability under your contract. A specialist policy covers all three and meets the requirements your principal company sets.
Does it cover the goods I'm carrying?
Yes — goods-in-transit cover can be included so the load you carry on behalf of your principal is protected, not just the vehicle itself.
My contract requires certain insurance — can you help?
Absolutely. We arrange cover that meets the specific conditions in your owner-driver contract, so you stay compliant and keep working without disputes.
What happens if my vehicle is off the road?
Time off the road means lost income, so we can include options that help you keep trading or get back on the road quickly after an incident.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related business cover
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Send us your details and one of our brokers will review your current insurance, compare your options and get back to you. No bots. No call centres. No obligation.
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