{"product_id":"commercial-full-third-party","title":"Commercial Vehicle Full Third Party","description":"\u003ch2\u003eThird Party Cover for Commercial Vehicle Operators\u003c\/h2\u003e\u003cp\u003eKeep 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.\u003c\/p\u003e\u003ch3\u003eCoverage Details\u003c\/h3\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eProperty damage limit:\u003c\/strong\u003e K30,000\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePersonal injury per person:\u003c\/strong\u003e K66,700\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePersonal injury per event:\u003c\/strong\u003e K133,400\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003eWho Needs This?\u003c\/h3\u003e\u003cp\u003eThis policy is designed for \u003cstrong\u003ecommercial vehicle operators\u003c\/strong\u003e — 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.\u003c\/p\u003e\u003ch3\u003eCoverage Period Options\u003c\/h3\u003e\u003cp\u003eChoose the period that suits your operational cycle:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003e1 Quarter (3 months)\u003c\/strong\u003e — Ideal for short-term contracts or seasonal operations\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e2 Quarters (6 months)\u003c\/strong\u003e — Mid-year cover for ongoing operations\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3 Quarters (9 months)\u003c\/strong\u003e — Extended cover for longer contracts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e4 Quarters (12 months \/ Annual)\u003c\/strong\u003e — Best value; uninterrupted cover for your full business year\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e💡 \u003cem\u003eAnnual cover eliminates renewal gaps that could leave your vehicles uninsured and your business exposed.\u003c\/em\u003e\u003c\/p\u003e\u003ch3\u003eHow It Works\u003c\/h3\u003e\u003col\u003e\n\u003cli\u003e\n\u003cstrong\u003eSelect your coverage period\u003c\/strong\u003e — Choose 1 to 4 quarters based on your fleet schedule.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eComplete payment\u003c\/strong\u003e — Pay securely online via your preferred method.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReceive your policy\u003c\/strong\u003e — Your policy document is issued within 24 hours.\u003c\/li\u003e\n\u003c\/ol\u003e\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\u003cp\u003e\u003cstrong\u003eWhat does third party cover for commercial vehicles?\u003c\/strong\u003e\u003cbr\u003eIt 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.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eIs this cover mandatory for commercial vehicles?\u003c\/strong\u003e\u003cbr\u003eYes. 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.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eCan I cover multiple vehicles?\u003c\/strong\u003e\u003cbr\u003eEach vehicle requires its own policy. Contact us directly if you need fleet cover arrangements for multiple commercial vehicles.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eHow do I renew?\u003c\/strong\u003e\u003cbr\u003eReturn to this page before your cover expires, select your next period, and complete payment. Your renewed policy is issued within 24 hours.\u003c\/p\u003e","brand":"ZSIC General Insurance","offers":[{"title":"4 Quarters","offer_id":49063623328035,"sku":"","price":800.0,"currency_code":"ZMW","in_stock":true},{"title":"3 Quarters","offer_id":49063623295267,"sku":"","price":650.0,"currency_code":"ZMW","in_stock":true},{"title":"2 Quarters","offer_id":49063623262499,"sku":"","price":500.0,"currency_code":"ZMW","in_stock":true},{"title":"1 Quarter","offer_id":49063623229731,"sku":"","price":300.0,"currency_code":"ZMW","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0895\/5287\/9907\/files\/commercial-vehicle-full-third-party.png?v=1773657881","url":"https:\/\/bn-insurance.site\/products\/commercial-full-third-party","provider":"BN Insurance Agency","version":"1.0","type":"link"}