Target Market

  • This product is only available to insureds that transport Dangerous Goods by road.

What are Dangerous Goods?

Dangerous Goods are identified and classified according to the code of practice SABS 0228. The law is rigid in this regard and once a substance has been classified as a Dangerous Good there are onerous and specific procedures that need to be followed and requirements to be met.

What is covered?

  • The damages arising from the Spillage of the Dangerous Goods and the Clean Up Costs and Expenses are covered, we will attend to the clean-up process which means that we not only remove or deactivate the Dangerous Goods but we will ensure that the area affected is restored to its former state.
  • We will also provide legal representation for you should any legal proceedings be instituted against you.
  • Bodily injury or death arising exclusively as a result of the Dangerous Goods Spillage.
  • Damage to third party assets arising exclusively from the Dangerous Goods Spillage The “Costs and Expenses” and “Damages” definitions deal specifically with what we will cover.

What is not covered?

The cover provided is on a specified basis so if the cover is not specified in the policy wording then there is no cover. We draw your attention to the following exclusions (this is not all of them).
  • The Dangerous Goods itself.
  • Damage to the transporting Vehicle or the other Vehicle involved in the collision.
  • Bodily Injury or death to You or your employees or agents.
  • The Event if it happens on your own premises or premises in your care, custody and control.
  • This cover can be provided separately as an Extension, if so required.
  • Fines and penalties.
  • Contractually assumed liability.

Requirements for cover

There are lots of requirements and you are expected to know them all and to comply with them. Given the risks involved, if you do not comply with these legal requirements then there is no cover. The National Road Traffic Act 93 of 1996 and in particular Chapter VIII of the Regulations deals specifically with the Transportation of Dangerous Goods and Substances by Road. However, this Act is not exhaustive and as already mentioned, you are expected to comply with all legal requirements.
  • Cover is only in respect of a sudden and unforeseen event.
  • The claim must have occurred on or after the retroactive date and during the period of insurance.
  • The Dangerous Goods must be in the process of being transported but includes the loading and unloading of the Dangerous Goods.
  • The transportation must be by road along the route and during the hours and in accordance with the terms provided by the Authorities in a Vehicle that is legally permitted to carry the Dangerous Goods.
  • The driver must:
    • have the required PrDP-D that allows them to transport these Dangerous Goods.
    • be older than 25 years of age.
    • have been trained specifically for the Dangerous Goods that they transport.

How to Claim:

As soon as there has been a Dangerous Goods Spillage, you must call our 24/7 call centre on the following number 0861 000 286.

The first few hours are always the most critical and so this is a condition precedent to liability. In other words, if you do not advise us as soon as reasonably possible of the Spillage – then You will not be covered.

Our call centre will instruct our service providers who have the specialised equipment and skills, and who are on permanent stand-by, to attend the scene immediately and begin the Clean-Up process. All claims must be handled through our call centre by our service providers.