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.
Ample arranges owner-driver cover tailored to contract requirements, across South Africa's leading insurers, so you meet your principal's conditions and stay protected on the road.
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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Let’s prove our reliable insurance cover.
Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30