Santam - Car, Household, Commercial, Corporate & Agricultural Insurance

Rest insured, whether you have personal, corporate, commercial, agricultural or even more specialised needs, our custom-made yellow umbrella will give you the peace of mind you could only expect from the leader in the short-term insurance industry.

Personal Insurance

Santam has a diverse range of personal insurance solutions, tailor-made for our clients' specific needs. These flexible products have been designed to ensure peace of mind for our clients. Santam offers:

The most comprehensive cover in the general market for property, house contents, buildings, personal effects , vehicles and watercraft, as well as insurance for connoisseurs under one umbrella policy.
A competitively-priced, motor-alone policy that has the option of adding your personal effects.
A flexible excess structure to reduce your monthly premium according to your individual needs. Depending on the excess, more than 50% can be saved on premiums.
Policyholders can get 20% of their first year's premiums back after two claim-free years and annually thereafter for as long as there are no claims.
Comprehensive motor vehicle insurance that includes extensions and services to suit the needs of the 4x4 owner.
A policy specifically designed to cater for the needs of the entry level market in that it provides basic cover for damage(s) to your building and its contents at extremely competitive rates.

More value-add...

Santam offers a range of additional cover to add value to policyholders' insurance portfolios. These covers are available as additional cover under some of the flexible Santam products.

Extended personal legal liability (PLIP)
In addition to Santam's personal liability cover, this cover can be extended with PLIP. For R10 or R15 more, you can get extended personal legal liability cover to the value of R10 million or R20 million, respectively. Anyone who owns a car, watercraft or building can take out this additional cover.

Legal costs and expenses
Get 24-hour access to legal advice and cover for up to R100 000, from as little as R30 a month. Policyholders are covered for legal costs and expenses in connection with an occurrence that leads to a civil legal action; a criminal charge; legal action in a labour court and legal action concerning family matters as well as identity theft that leads to real or potential prejudice and result in legal liability or financial loss.

Funeral cover
Santam offers death-benefit plans for R3 000, R5 000, R7 500 or R10 000 for accidental death resulting from an unnatural cause or death due to a natural cause.

Waiver of excess
You can waive the basic excesses under the vehicle section at an additional premium.

Personal accident cover
Santam's new Personal Accident Policy provides cover for death or injury following any accident, with the option to restrict cover to road accidents only. The solution is customised for individuals and families, with significant rating discounts to qualifying families. Sums insured range from R50 000 up to R5 million depending on the client's age, income and choice. Flexibility and choice are enhanced even more by providing optional cover in addition to the basic cover for death and permanent disability. The optional covers include the Hospital benefit and the Temporary Total Disablement benefit.

Optional cover ...

Limited bed & breakfast cover
This cover applies if three or fewer bedrooms of your private residence are rented out to guests and you live in the private residence on a permanent basis.

Motor hire
The Motor section offers two types of optional motor-hire cover:
Motor hire - comprehensive (total and partial loss); and Motor hire - limited (only total loss); and loss or damage must be covered under the Motor section.

Breakdown services
You can get access to a variety of services such as: towing after a breakdown, or help with changing a flat tyre or battery under this section.

4X4 cover
Optional cover to insure your 4X4 vehicle for emergency repairs, winching equipment, repatriation costs, extinguishing costs, wreckage removal etc. This cover is now available in 14 African countries.

Luxury vehicles
Optional cover to insure your luxury vehicle for head, tail or spot lights, loss of keys, tow-in costs and safeguarding after mechanical breakdown etc.