SHA is also a specialist UMA in all types of commercial motor insurance. We customise our product offering to suit a client’s requirements. Our clients include a wide spectrum of South African businesses from small enterprises to large fleets. We are an affiliated member of SABOA.

Covers and Extensions
  • Own Damage and Third Party
  • Risk Controlled Commercial Fleet
  • Self-insured Fund Protection (Aggregate Deductibles)
  • Stop Loss
  • Deposit Premiums on a Burning Cost Basis
  • Monthly Contracts
  • Replacement Value
  • Agreed Value
  • Credit Shortfall
  • Loss of Use
  • Car Hire
  • Roadside Assistance
  • Mechanical Breakdown Towing
  • Keys and Alarm Systems
  • Sign Writing
  • Air Freight Replacement Costs
  • Deposit Protector
  • Emergency Travel Costs
  • Large Liability Limits
  • Third Party Liability for plant machinery – road risks use only
  • Fare Paying and Non-Fare Paying Passenger Liability
  • Excess of Loss – Motor Third Party Liability
  • Excess of Loss – Fare Paying and Non-fare Paying Passenger Liability
  • Personal Accident following an accident including passengers and drivers
Territorial Limits
  • Sub Saharan Africa
Limits of Indemnity
  • Own Damage Limit: R4 million per unit
  • Third Party Liability: R500 million
Requirements to Quote
  • Description of Insured/Business
  • Minimum of 3 years Loss History
  • Excess Structure
  • Details of previous Insurances
  • Fleet Value – size, type, value etc.
  • Basis of Cover required

Spillage and clean-up costs including pollution

SHA are specialist underwriters for the clean-up of road cargo spillage.  Cover includes compensation for injury and/or damage to tangible property including the loss of use thereof.

Cover and Extensions
  • Clean-Up means the removal, neutralisation, nullification, and/or cleaning-up of soil, surface water, ground water, or other pollutant. Clean-up also includes the reasonable costs and expenses of rehabilitating any property or amenity by the Insured which is protected by law.
  • Pollution means the sudden, unexpected and unintended emission, discharge, release or escape of any liquid, solid, gaseous, particulate or thermal irritant, contaminant or pollutant emanating from cargo and contaminating or polluting land, or any water-course or body of water not belonging to the Insured.
  • Clean-Up Costs means the reasonable costs for Clean-Up including Mitigation Costs
  • Spillage during loading & unloading of vehicles
Territorial Limits:
  • Sub Saharan Africa but limited coverage in the DRC
Limit of Indemnity:
  • We are able to underwrite up to limits of R1 billion.


Download a fact sheet

Download a Spillage proposal form

Download a Passenger Liability proposal form

Download a Motor Excess of Loss Liability proposal form

The board member responsible for this team is Hendre Horne and can be reached on horneh@sha.co.za

Mike Forrest is the Head of the Fleet team and can be reached on forrestm@sha.co.za

Devin Badal is the Head of the Structured motor team and can be reached on badald@sha.co.za

The video below gives a 2 minute overview of the division:

Please feel free to use our search facility below to find a specific team member within the underwriting and claims teams respectively:



If you’re a broker and you’d like to get your clients onto SHA Motor send an email to motor@sha.co.za or call us 011 731 3600