Most short term insurance policies specifically exclude cover when a personal vehicle is used to convey “fare paying passengers” as well as for trade use. An insurer could easily consider the payment received by the owner as an income, and therefore classify the use of the vehicle as “business use”. If the vehicle is insured for private use only, the motorist may have his/her claim rejected as a result.

Also, drivers who carry fare paying passengers (as is the case with taxi drivers, bus drivere etc) also need to have a Professional Driving Permit.

So, how do you go about solving this issue?
1. Check your existing policy to see if you are covered for private use only, and if the policy excludes cover when carrying fare paying passengers.
2. Consult with your insurer, or get an independent opinion by asking us to check your policy – obligation free.

If you don’t have insurance, or think you are paying too much for your existing motor vehicle and home insurance, then get a free quote from a whole range insurers, by completing your details here. We’ll get right back to you with up to 8 quotes from SA’s leading motor and home insurance companies.

If you are looking for one of these types of insurance, we can help you:

• 4×4 Insurance
• Motor vehicle insurance
• Business Insurance
• Household contents insurance
• Professional Indemnity insurance
• Liability insurance

We only deal with the South Africa’s largest and strongest insurance companies.  We get you the best deal on your short term insurance by doing the hard work for you.  We shop around to get the best deal, so you don’t have to waste time doing comparisons of different insurance policies.

Absolutely Covered was founded in 2003, and is a Licenced Financial Services Provider, in terms of the FAIS Act – Licence Number 2511.