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Product Overview

IUM has a dedicated division that specialises in passenger transport vehicle insurance. Cover is available for tour operators, commuter buses, shuttle services, long-distance passenger transport, busses, private hire (hire and reward), group tours, bus companies and operators.

Target Market

Buses used in the passenger transport industry, such as:

  • Luxury and semi luxury coaches
  • Mini coaches
  • Open game-viewing vehicles
  • Route buses
  • School buses
  • Staff buses
  • Tour operators

Key Benefits

  • Comprehensive motor cover
  • Excess free windscreen option
  • Motor liablility included for R10m
  • Option to ensure busses on retail value
  • Wreckage removal, towing cost R15,000 per vehicle registration number

Cover Included

  • Fire extinguishing charges
  • Lock and keys
  • Search and recovery cost
  • Third-party liability
  • Towing charges include storage and release fees
  • Windscreen cover (for comprehensively insured vehicles)
  • Wreckage removal

Optional Cover

  • Credit shortfall
  • Deposit protector
  • Downtime/loss of use
  • Excess reducer: accidents between 22h00 and 04h00
  • Excess reducer: single vehicle excess
  • Excess reducer: third party liability (franchise basis)
  • Extended wreckage removal
  • Passenger liability
  • Personal accident on drivers
  • Towing and recovery cost for cross-border
  • Towing following mechanical, electrical or electronic breakdown
  • Riot an strike
  • Vehcile audio/video equipment global positioning systems (GPS) and tracking devices

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

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