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Product Overview

The policy will cover all reasonable costs and expenses which the insured becomes legally obliged to pay as a result of the accidental and unforeseen emission of pollutants, carried by an insured vehicle, which has caused damage to the environment, including property other than the insured's own property, including such things as ongoing environmental monitoring, rehabilitation and legal costs involved. It is not necessary that there be another motor vehicle involved in the accident. The truck transporting the “dangerous goods” might for example, have burst a valve of the tanker trailer, thereby causing product to leak out into the environment. The only requirement is that the incident is unexpected, accidental and unintended. These unexpected incidents could include pollution release whilst loading and offloading, as well as spillage on the clients premises whilst the insured vehicle is stationary, this excludes incidents as a result of negligence.


Target Market

  • Transporters carrying dangerous goods,
  • Tankers (Loads of liquids comprising of fuels, chemicals, gas, etc)
  • Transport of goods owned by the insured
  • Transport contractors

Key Benefits

  • Leakage, collision and overturning
  • Competitive excess structures and rates
  • Loading and offloading
  • Site spillage cover

Cover Included

  • Clean up costs resulting from a spillage during:
    • Transportation
    • Loading or offloading
    • Leakage from a stationary vehicle whilst on the specified risk address
  • Contingency cover for specified sub contracted vehicles
  • Remediation
  • Site rehabilitation
  • Monitoring costs

Optional Cover

  • Excess reducer
  • Vehicle pollutant release cover

Territories Automatically Included

  • Republic of South Africa
  • Angola
  • Botswana
  • Democratic Republic of Congo (DRC) not further north than Kolwezi
  • Kenya
  • Lesotho
  • Malawi
  • Mozambique
  • Namibia
  • Swaziland
  • Tanzania
  • Zaire
  • Zambia
  • Zimbabwe
  • Uganda
How to claim

Find out how easy it to submit a claim to IUM by selecting the product you wish to claim on


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