There are a lot of insurance policies out there. It looks like insurance. Sounds like insurance. But when it really matters, it often doesn't act like insurance. Finding out you're not insured for something you thought you were covered for can cause a huge financial setback. At Santam we pride ourselves on doing insurance good and proper because when you are insured with us, you can rest assured that you are in fact, 100% insured.

We offer quality cover in an easy-to-understand set of solutions, which can be designed to suit your personal needs. As South Africa's most trusted insurer, we pride ourselves on our reputation for efficient payouts and a first-class claims experience.

With a track record of nearly 100 years in most classes of short-term insurance, we're confident that we can offer you the highest level of experience when it comes to looking after what's important to you.

We understand that you value your treasures above all else, but we all have uncertainties about what the future holds. We provide personal insurance that leaves little room for doubt because that's the bottom line: if you care about your valuables, you need good and proper insurance that does the same.

Speak to us and we'll make sure we give you with that peace of mind.

Our Personal insurance offerings include:

Car Insurance

When it comes to vehicles, we've thought of everything. Our vehicle insurance covers you against loss or accidental damage caused by events such as theft, hijacking or lost keys. We'll also provide assistance if you need emergency repairs. This includes cover for vehicles, light delivery vehicles, trailer caravan or motorcycle.

House Contents

Cover for household contents, personal property, fittings and fixtures against unexpected events like fire, water damage and even damage by wild baboons or wild monkeys (yes, it happens).It's easy to underestimate the value of your home contents and it can cost you dearly should something go wrong. Our basic cover provides insurance protection of contents inside and outside your residence. 

Buildings Insurance

We provide comprehensive insurance for your private property, including cover against loss or damage caused by malicious damage, loss of water and special alterations due to disability. Our basic cover for buildings includes residential structures and other fixed structures or fittingsat your home. We will also pay for special alterations to your private property to be accessible in the event that you are disabled after an accident.

Personal All Risk

Santam's Personal belongings policy (otherwise known as All Risks) offers you comprehensive cover against loss or damage to all valuable personal items such as audiovisual equipment, jewellery, bicycles, wheelchairs and even stamp or coin collections. Our All Risks cover section provides cover for loss or damage to items you normally wear or carry with you outside your home.  This would include items such as your clothing and personal belongings. 

Watercraft

We'll insure your watercraft against loss or damage, including cover for sinking or collision and the medical expenses of passengers. We offer comprehensive insurance for motorboats, ski boats, jet-ski's or wet bikes including the standard fittings and accessories normally sold with watercraft.

Optional Cover

We have a range of product options you can add to your insurance portfolio includes cover for legal costs and legal expenses, personal accident cover, limited bed & breakfast cover and a 4x4 vehicle cover.

Multi-bonus package

Our multi-bonus package is one of the most comprehensive personal insurance products in South Africa., We offer personal insurance with all the best rewards and benefits in one cash-back policy.

SOS services

Every now and then life throws us a curveball or two. Our new range of 6 SOS services with help lighten the load.