BROKER:
Harnacks Insurance Brokers
SPECIALIST TAXI INSURANCE
If you’re paying us your hard earned money, you deserve to know what you are paying for. That’s why we have developed a product that cuts through the complexity and simply gives you reliable insurance at a premium that your business can afford. Backed by Santam, VUM stands ready to insure your small business against unforeseen risks. VUM specialises in giving real, honest, transparent cover to small and emerging businesses. We understand your business and are ready to give you the cover you need.
Fixed expenses
We will pay you a set amount each week while your vehicle is being repaired or replaced following an accident or theft
Passenger Liability
Protection against legal liability to passengers after an accident.
Personal accident
Compensation for the driver and/or passengers if they are killed or permanently disabled in an accident.
Sound Equipment
We keep you moving and grooving.
Trailer Cover
Cover for your luggage trailers.
Credit Protection
If your vehicle is written off and you still owe the bank, we will settle the outstanding amount.
INSURANCE FOR SMALL EMERGING BUSINESSES
If you’re paying us your hard earned money, you deserve to know what you are paying for. That’s why we have developed a product that cuts through the complexity and simply gives you reliable insurance at a premium that your business can afford. Backed by Santam, VUM stands ready to insure your small business against unforeseen risks. VUM specialises in giving real, honest, transparent cover to small and emerging businesses. We understand your business and are ready to give you the cover you need.
Motor
If you’re paying us your hard earned money, you deserve to know what you are paying for. That’s why we have developed a product that cuts through the complexity and simply gives you reliable insurance at a premium that your business can afford. Backed by Santam, VUM stands ready to insure your small business against unforeseen risks. VUM specialises in giving real, honest, transparent cover to small and emerging businesses. We understand your business and are ready to give you the cover you need.
Buildings, Contents and Stock
Cover in case of fire, theft or acts of nature at your place of business.
Electronic Equipment and Machinery
Cover for those important items your business can’t do without.
Money
Cover for your cash while on your premises or in transit to the bank.
Business All Risks
For those valuables that accompany you like cell phones, tabletsand tools.
Goods in Transit
We’ll cover your stock while it’s being transported.
Public Liability
Protect yourself against legal action with the right kind of liability cover.
Business Interruption
What happens to your business while you recover from a fire? This section covers you for your lost profits and fixed expenses whilst you get up and running again.
Employee Dishonesty
Cover in case your employees steal or defraud you.
Personal Accident
To compensate you and your employees for accidental death and disability.
Roadside Assistance
Automatically included with comprehensive insurance for passenger vehicles and LDV’s.
SASRIA
Cover for losses arising during riots and strikes – automatically included in the relevant section.
VUM FINTECH
Not all drivers are created equal
Telematics data allows us to see how you drive so that you can get the Premium that you deserve.
Every Policy is reviewed quarterly to assess the Risk Exposure created by driving behaviour.
This unlocks the Safe-Driving-Savings Program that gives you the opportunity to reduce your Premium, based entirely on merit.
VUM assists our clients by actively monitoring driving behaviour and providing feedback to our clients. This puts the power to save in your hands.
Taxi Types Covered
Ride-Share Apps (Uber, Taxi, Lyfti, etc), Sedan Taxi, Metered Taxi and Shuttle Services
Benefits
Fully comprehensive Cover plus the following covers automatically included:
Passenger Liability Cover of R5 000 000 per event.
Personal Accident Cover of R50 000 per occupant of the Taxi, including the driver.
Roadside Assistance Plus the following optional covers:
Fixed Expenses Cover paid directly to the Taxi Owner to cover expenses while the Taxi is being repaired
Credit Shortfall cover
VUM Safe-Driver-Savings Program
Our Save-Driver-Savings Program is your chance to save on your Premiums. We understand that everyone wants to pay less for their insurance and VUM is giving you the chance to earn some great savings. By engaging with your Telematics provider, we are able to establish what kind of driver you are and give you the Premium that you deserve. There are loads of savings available, depending on the Safe-Driver Savings Level that you fall into below :
BRONZE:
5% Discount in monthly Premium
SILVER:
10% Discount in monthly Premium
GOLD:
15% Discount in monthly Premium
PLATINUM:
20% Discount in monthly Premium