Caring for trucks + truckers... HCV issues and administers a range of products specially designed to take care of all types of commercial vehicles from trucks to plant items and importantly to take care of drivers as well. Heavy Commercial Vehicle Underwriting Managers (Pty) Limited (HCV) © is underwritten by Santam Structured Insurance Limited. HCV is one of South Africa's heavy, medium and light commercial vehicle underwriting managers of choice. That's because we're not your usual underwriting manager. We do things differently, such as sincerely caring for trucks and truckers.