Before you add insurance
This page explains the insurance and liability information linked from the shipment booking process. Keep your booking window open, review the information below, then return to your booking to choose whether to add insurance.
Plain-language guide
The notes in this section are added to help you navigate the formal terms below. They are not a replacement for the Standard Terms and Conditions or the Group insurance policy wording. The original extracts appear further down this page and take precedence.
At a glance
Use this as a signpost, then read the actual extracts below for the full wording.
Where insurance is not selected, recourse is limited to the liability cover set out in Clause 14. This is limited to R1,000 or the actual value of the loss or damage, whichever is the least, and also excludes theft, robbery, hijacking, accidents and third-party actions.
To arrange insurance, the insurance option must be selected on the portal and the value of the consignment must be indicated. An insurance premium is charged for this option.
The Group insurance policy extract lists goods excluded from cover, including certain valuables, regulated goods, PPE-related products, second-hand items and items removed from original packaging, except for total loss.
Decision guide
| Question | Why it matters | Where to look below |
|---|---|---|
| Did I select insurance on the portal? | The terms state that the Company has no obligation to obtain insurance unless specifically requested by the Customer. | Clause 14, Insurance points 1 and 2 |
| Can I prove the value of the goods? | Claims require supporting documents, including proof of value. Unsupported claims will be repudiated. | Clause 14, Claims Submission point 9 |
| Are my goods excluded from cover? | The policy extract lists goods excluded from insurance cover. | Group insurance policy extract, point 2 |
| Do I understand the excess? | Standard claims and hi-jacking claims have different minimum excess percentages. | Clause 14, Insurance point 6 |
If something goes wrong later
The claims process applies to both liability claims and insurance claims.
Submit via the link provided on the Company’s portal.
Claims must be submitted within 7 business days of delivery.
Supporting documents must be uploaded within 2 business days of claim submission.
A claims administrator will be allocated once the claim is submitted in full.
Finalisation may take 45 to 180 days, depending on complexity.
Standard Terms and Conditions
This section contains the extract provided from the Standard Terms and Conditions. The wording below has been formatted for readability, but not rewritten.
14.1.Where a Customer does not elect to insure any consignment, such Customer shall be limited in recourse to the Liability cover as set out herein:
14.1.1.Liability applies to loss or damage, in the possession of the Company, where the loss or damage is solely due to the intentional and/or grossly negligent conduct of the Company;
14.1.2.Liability will not extend to loss or damage due to and/or contributed to, by accidental causes (such as vehicular accidents and/or force majeure), third party conduct (such as criminal conduct or third-party negligence and/or intentional conduct), or the conduct/omissions of the Customer, its agents, employees or assigns;
14.1.3.Liability is limited to R1000 (one thousand rand) or the actual value of the loss or damage, whichever is the least;
14.1.4.No payment will be made to the Customer in the event of a successful claim. The Customer will be compensated by a credit (if the Customer has an account with the Company) or a voucher to the value of the claim, with a maximum value of R1000 (one thousand rand).
14.2.IN ORDER TO ARRANGE INSURANCE, YOU HAVE TO SELECT THE INSURANCE OPTION ON THE PORTAL AND INDICATE THE VALUE OF THE CONSIGNMENT INSURED. YOU WILL BE CHARGED AN INSURANCE PREMIUM FOR THIS OPTION.
14.3.THE COMPANY SHALL HAVE NO OBLIGATION TO OBTAIN ANY FORM OF INSURANCE COVER ON BEHALF OF A CUSTOMER IN RELATION TO ANY CONSIGNMENT, UNLESS SPECIFICALLY REQUESTED TO DO SO BY THE CUSTOMER, AND ALL INSURANCE COVER SHALL BE AT THE EXPENSE OF THE CUSTOMER.
14.4.THE CUSTOMER ACKNOWLEDGES AND AGREES THAT, INSOFAR AS THE COMPANY AGREES TO ARRANGE INSURANCE FOR AND ON BEHALF OF THE CUSTOMER, THE COMPANY WILL ACT SOLELY AS AGENT FOR AND ON BEHALF OF THE CUSTOMER, AND THE CUSTOMER SHALL HAVE NO CLAIM OF WHATSOEVER NATURE AGAINST THE COMPANY, ITS EMPLOYEES, OFFICERS, AGENTS AND/OR SUB-CONTRACTORS IN RESPECT OF SUCH INSURANCE, INCLUDING BUT NOT LIMITED TO ANY CLAIM IN RELATION TO LOSS SUFFERED BY THE CUSTOMER AS A RESULT OF THE INSURER CONCERNED DISPUTING ITS LIABILITY UNDER THE RELEVANT INSURANCE POLICY.
14.5.THE CUSTOMER ACKNOWLEDGES AND AGREES THAT IT IS RESPONSIBLE FOR ACQUAINTING ITSELF WITH THE TERMS AND CONDITIONS UPON WHICH THE COMPANY UNDERTAKES THE CARRIAGE OF THE GOODS, THE TERMS AND CONDITIONS OF THE STANDARD INSURANCE COVER OFFERED BY THE COMPANY, AND ANY OTHER TERMS AND CONDITIONS STIPULATED BY THE COMPANY AND/OR ITS INSURERS IN THIS REGARD.
14.6.If specifically requested by the Customer to arrange insurance of any Consignment, RTT shall insure the Consignment:
14.6.1.where no value is declared on the Consignment, for an amount not exceeding R1,000.00 (one thousand rand), at the minimum insurance premium charged by the insurer; and
14.6.2.where the value declared exceeds R1,000.00 (one thousand rand), at a premium representing a percentage of such declared value.
14.7.In the event of:
14.7.1.a standard claim, a minimum of 2% (two percent) excess of the declared value (or to the extent that no value is declared, the value for which such Consignment has been insured) applies; and
14.7.2.a claim following a hi-jacking, a minimum of 20% (twenty percent) excess of the declared value (or to the extent that no value is declared, the value for which such Consignment has been insured) applies.
14.8.Should a dispute arise in relation to the insurance arranged by RTT at the request of the Customer, the Customer shall have recourse against the insurer only and RTT SHALL NOT INCUR ANY LIABILITY in relation to such dispute.
14.9.Payment of any amounts in relation to insurance shall be made by the Customer to the Company in accordance with the conditions of payment set out in these Terms.
14.10.1.The Customer shall submit all liability and/or insurance claims to the Company in writing (via the link provided on the Company's portal), within 7 (seven) business days of the Consignment being delivered – LATE CLAIMS WILL BE REPUDIATED;
14.10.2.All supporting documents (proof of value, proof of damages, proof of incident) must be uploaded on the portal within 2 (two) business days of the submission of the claim in clear and legible PDF format – UNSUPPORTED CLAIMS WILL BE REPUDIATED;
14.10.3.A claims administrator will be allocated to your claim and will be in contact with you once your claim has been submitted in full;
14.10.4.A claim may take (depending on the complexity thereof, whether an assessor is appointed and whether any disputes arise) 45 – 180 days to finalize;
14.10.5.Once your claim has been approved, the claim amount minus excess will be credited to your account, alternatively a voucher equal to the claim minus excess will be issued to you.
Group insurance policy
This section contains the extract provided from the Group insurance policy. It has been presented in a scan-friendly format, while retaining the provided wording.
This is not a replacement for the extract. It is only a visual index of wording that appears below.