Third Party Cover for Commercial Vehicle Operators
Keep your business moving with confidence. This policy provides mandatory third party liability cover for commercial vehicles — protecting your business from the financial consequences of accidents involving your fleet on Zambian roads.
Coverage Details
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Property damage limit: K30,000
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Personal injury per person: K66,700
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Personal injury per event: K133,400
Who Needs This?
This policy is designed for commercial vehicle operators — businesses and individuals using trucks, vans, pickups, or other light-to-medium commercial vehicles for goods delivery, trade, or business operations. Third party cover is legally required for all commercial vehicles in Zambia.
Coverage Period Options
Choose the period that suits your operational cycle:
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1 Quarter (3 months) — Ideal for short-term contracts or seasonal operations
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2 Quarters (6 months) — Mid-year cover for ongoing operations
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3 Quarters (9 months) — Extended cover for longer contracts
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4 Quarters (12 months / Annual) — Best value; uninterrupted cover for your full business year
💡 Annual cover eliminates renewal gaps that could leave your vehicles uninsured and your business exposed.
How It Works
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Select your coverage period — Choose 1 to 4 quarters based on your fleet schedule.
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Complete payment — Pay securely online via your preferred method.
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Receive your policy — Your policy document is issued within 24 hours.
Frequently Asked Questions
What does third party cover for commercial vehicles?
It covers damage your commercial vehicle causes to another person's property and bodily injury to third parties. It does not cover damage to your own vehicle or cargo.
Is this cover mandatory for commercial vehicles?
Yes. All commercial vehicles operating on Zambian roads are legally required to carry at least third party insurance. Non-compliance can result in fines, impoundment, or business disruption.
Can I cover multiple vehicles?
Each vehicle requires its own policy. Contact us directly if you need fleet cover arrangements for multiple commercial vehicles.
How do I renew?
Return to this page before your cover expires, select your next period, and complete payment. Your renewed policy is issued within 24 hours.
