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Affordable Business vehicle insurance
Combine motor & non-motor cover and save
Flexible vehicle excess options available
Lifetime guarantee on all vehicle repairs
Business Vehicle insurance
for Good South Africans
Running a business with vehicles on the road can be nerve-wracking, but with Budget BusinessVehicle Insurance, you can relax knowing that we've got your business vehicles covered.
Specialised business vehicle insurance isn't the same as personal car insurance because it covers vehicles that are used for commercial purposes. So, it protects your pocket against accidents, damage, theft and liability claims that can pop up while using these vehicles for things such as client meetings, deliveries and transporting staff.
This insurance is a must-have for businesses. Why? Because no Good South African wants to face financial strain because you need to pay to fix your work vehicles, cover legal fees or pay for potential lawsuits. Business vehicle insurance lets you sleep at night because it protects your company’s vehicles and operations, should anything happen on the road.
Ready for a business boost? Get your vehicle covered today.
What vehicles does business insurance cover?
What vehicles does business insurance cover?
Every business is different, and so are its vehicles. Whether your business owns a vehicle or a fleet of vehicles, we have the right cover for your business vehicles. Budget vehicle insurance covers the following business vehicles and more:
Motorcycle
used for delivery services
Car
used for business activities and for E-haling
Bakkies
used by artisans
Panel Vans
for courier and delivery companies
Shuttles
for airport transports and shuttle services
Small Trucks
up to 10 Tonnes (this is the maximum capacity insured)
Trailers
used for business
Special Type
used for specialised business
Motorcycle
used for delivery services
Car
used for business activities and for E-haling
Bakkies
used by artisans
Panel Vans
for courier and delivery companies
Shuttles
for airport transports and shuttle services
Small Trucks
up to 10 Tonnes (this is the maximum capacity insured)
Trailers
used for business
Special Type
used for specialised business
Affordable business vehicle insurance plans that drive your success. Affordable business vehicle insurance plans that drive your success.
Budget Business vehicle insurance has got all your business needs covered.
Choose the cover option that best suits you and your needs:
Budget Business vehicle insurance has got all your business needs covered. Choose the cover option that best suits you and your needs:
Enhance your cover with optional add-ons
Car Hire
You’ll be provided with a rental car if your insured business vehicle is stolen or damaged in an accident.
Car hire loss of use
Covers the cost of a rental vehicle if your business vehicle is unavailable due to an insured event.
Non-standard accessory
Covers non-factory-fitted accessories or modifications, like custom rims or sound systems.
Sound system cover
Covers the cost of repairing or replacing your vehicle’s sound system if damaged or stolen in an insured event.
Canopy cover
Covers the cost of repairing or replacing your vehicle’s canopy if damaged or stolen in an insured event.
Tracking device
Includes a tracking device with no installation fee, and the subscription is covered in your premium.
You’ll be provided with a rental car if your insured business vehicle is stolen or damaged in an accident.
Covers the cost of a rental vehicle if your business vehicle is unavailable due to an insured event.
Covers non-factory-fitted accessories or modifications, like custom rims or sound systems.
Covers the cost of repairing or replacing your vehicle’s sound system if damaged or stolen in an insured event.
Covers the cost of repairing or replacing your vehicle’s canopy if damaged or stolen in an insured event.
Includes a tracking device with no installation fee, and the subscription is covered in your premium.
Enhanced protection beyond vehicle cover
To give you complete peace of mind, we offer additional cover for the specific needs of your business. This includes:
Goods in transit cover
for courier and delivery services
Passenger liability cover
for E-haling and shuttle services
Tools and equipment cover
for artisans and construction businesses
All risk items
such as mobile phones, laptops, tablets and more
Goods in transit cover
for courier and delivery services
Passenger liability cover
for E-haling and shuttle services
Tools and equipment cover
for artisans and construction businesses
All risk items
such as mobile phones, laptops, tablets and more
Biz Assist benefits Included with your policy
Biz Assist is an exclusive benefit included with your Budget Business Insurance policy at no extra cost, offering a range of services to keep your business running smoothly. From property emergencies to IT support and digital growth, these are just a few examples of what's included.
Biz Assist benefits Included with your policy
Biz Assist is an exclusive benefit included with your Budget Business Insurance policy at no extra cost, offering a range of services to keep your business running smoothly. From property emergencies to IT support and digital growth, these are just a few examples of what's included.
Get bucks back with Cash Back Bonus
Get bucks back with Cash Back Bonus
Simply add the optional Cash Back Bonus to your policy, stay claim-free for 2 years and start earning rewards.
What you will get*:
-
15% back of all your premiums paid, over the first two years of claims free, uninterrupted cover
-
10% back of all your premiums paid, if you remain claims free uninterrupted cover, for a further two years; and
-
10% back of all premiums paid for every claim-free year of uninterrupted insurance, thereafter.
+83 682
customers received their Cash Back Bonuses over the last 5 years
+R212 million
paid out to customers in Cash Back Bonuses over the last 5 years
*Cash back is optional and at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all Budget customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
*Cash back is optional and at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are
based on Cash Back received by all Budget customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
Related business insurance solutions
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Public Liability Insurance
Protects businesses from financial losses if they cause injury or property damage to a third party. Ensures businesses are properly covered for unforeseen incidents, providing financial confidence and security.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Directors & Officers Liability Insurance
Safeguards a company and its leaders from legal actions related to their decisions. It covers legal fees, settlements, investigation costs, and awards from claims of negligence or duty breaches.
Public Liability Insurance
Protects businesses from financial losses if they cause injury or property damage to a third party. Ensures businesses are properly covered for unforeseen incidents, providing financial confidence and security.
Events Liability Insurance
Shields event organisers from financial losses due to unforeseen incidents. Covers third-party bodily injury, property damage, and other liabilities, giving you peace of mind while managing your events business.
Frequently Asked Questions
How much is Business Car Insurance in South Africa?
The cost of Business Car Insurance in South Africa varies based on factors like the type of coverage, number of vehicles, usage, and the insurer's policies. Generally, premiums consider vehicle value, business activities
Does Business Car Insurance cost more than personal Car Insurance?
Yes, Commercial vehicle insurance is likely to cost more than personal Car Insurance due to the increased risk associated with business use. Business activities can involve more time on the road, which increases the chances of accidents and damage. Also, coverage often includes liability for business-related activities. The cost varies based on factors such as vehicle type, usage, number of vehicles, and coverage options. However, it's crucial to ensure proper coverage for your business needs, even if it comes at a higher cost than personal vehicle insurance. and driver history. It's recommended to get personalised quotes from insurers to determine the exact cost for your specific business needs. Get your Business Car Insurance quote today.
How do you get Business Car Insurance?
This is a quick and simple process. You can get your obligations-free online Business Car Insurance quote in minutes. Request a quote online or give us a call. To get your quote, you will need to give us the following information:
- Your South African identity number or foreign passport number
- Your personal information (full name, date of birth, address)
- Car information (registration number, year, make, model, type and colour)
- You will also be asked detailed questions about your car, like where it’s parked at night.
Why do you need Business Vehicle Insurance?
Business or Commercial Vehicle Insurance is essential to protect your business from financial loss due to accidents, damage, theft, or liability claims involving company vehicles. It provides coverage beyond the typical private Car Insurance, safeguarding your business operations, assets, and reputation. With the increased risks associated with business use, having the right Car Insurance for business vehicles ensures that unexpected incidents on the road won't disrupt your business's financial stability or growth.
Don’t delay, cover your business today
Get a quote nowBudget is a licensed non-life Insurer and Financial Services Provider. Terms and Conditions online.