Short-Term Cover · Goods In Transit · Bundled With Your Security
Fleet & Goods-In-Transit Insurance South Africa
The Safety Net Behind The Security
Tracking, cameras and monitoring shrink your risk — insurance catches whatever is left. DigitFMS Insurance arranges fleet insurance and goods-in-transit cover for South African businesses through the country’s leading insurers, priced around the risk data your DigitFMS systems already generate.
The Honest Truth About Risk
Security Shrinks Risk. It Cannot Make It Zero.
DigitFMS exists to stop losses before they happen — tracking that recovers vehicles, cameras that deter intruders, fuel monitoring that catches theft in the act. In practice, that technology removes most of the risk from a fleet or a site. It cannot, however, remove all of it.
A hijacking can succeed despite recovery. A truck can be written off in an accident no camera could prevent. A consignment can be damaged by weather, fire or a third party who was never on your property. When prevention runs out, the question becomes financial — and that is what fleet insurance is for.
DigitFMS Insurance closes that last gap. Cover is arranged through South Africa’s leading authorised insurers, tailored to your fleet and cargo, and priced with one significant advantage: the insurer can see, from your DigitFMS systems, exactly how well-managed your risk already is.
What’s Covered
Fleet Insurance And Goods-In-Transit Cover, Tailored To You
Every policy is arranged through South Africa’s leading authorised insurers and shaped around your fleet size, cargo profile and industry — logistics, retail, construction, agriculture or industrial.
Short-Term Fleet & Asset Cover
Vehicles, trucks, trailers, plant and essential business assets — covered against theft, hijacking, accident damage and the events no security system prevents. Built for businesses that cannot afford a vehicle standing still.
Goods-In-Transit Cover
Your cargo, from pick-up to final delivery — protected against loss, damage and theft on the road, where South African freight faces its highest risk. The load is covered even when the route goes wrong.
Customised Industry Policies
No two operations carry the same risk. Policies are shaped around what you actually run and haul — excesses, values and conditions matched to your sector rather than lifted from a generic schedule. Cover that fits is cover that pays out.
The DigitFMS Difference
Your Systems Become Your Underwriting File
Insurers price what they cannot see as worst-case. A fleet running DigitFMS technology is not a mystery — it is a documented, monitored, recoverable risk, and that changes both the premium conversation and the claims conversation.
How It Works
Fleet Insurance, From Risk Assessment To Active Cover
A consultant looks at your fleet, cargo, routes and premises — and at what DigitFMS technology is already in place or should be.
Your risk profile goes to leading authorised insurers with the monitoring evidence attached, so the quote reflects your actual, managed risk.
Cover and security are structured together. The premium saving helps carry — and can fully offset — the cost of the technology.
When something happens, tracking logs, footage and control-room records go in with the claim. Documented claims settle faster.
DigitFMS Insurance products are arranged with and underwritten by South Africa’s leading authorised insurers, regulated by the Financial Sector Conduct Authority (FSCA). Policy terms, conditions and excesses are set by the insurer and confirmed in your policy schedule.
Fleet Insurance And Security, Priced Together.
Tell us what you run and what you haul. A DigitFMS consultant maps the risk, brings in the right insurer, and then shows you what the bundle saves — before you commit to anything.
Before You Ask
Fleet Insurance Questions, Answered
What is DigitFMS Insurance?
Can vehicle tracking reduce insurance premiums?
What does goods-in-transit insurance cover?
Can the savings really offset my tracking costs?
Who underwrites the policies?
How does DigitFMS help when I claim?
Lower The Risk First
The Technology That Earns The Premium
Every system below reduces the risk an insurer has to price — which is why cover and security are cheaper together than apart.
Vehicle Tracking for Fleet Management
First, the device many insurers require before they will cover a high-risk vehicle at all — and the data that anchors your premium.
Explore Vehicle Tracking →Mobile Video with ADAS
Moreover, AI dashcams put indisputable footage behind every incident — the difference between a contested claim and a settled one.
Explore Mobile Video →Stolen Vehicle Recovery
Finally, a recovered vehicle turns a total-loss claim into a repair claim — prevention and cover working the same ledger.
Explore Recovery →Get A Quote
Tell Us About Your Fleet And Cargo
One short form. A DigitFMS consultant comes back within one business day with the next step — usually a risk assessment, then a fleet insurance or goods-in-transit quote from the insurer that fits your operation.
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