Insurance for all
your vehicles

Santam offers a wide range of vehicle insurance options to suit your needs, including comprehensive car insurance, third party only cover, and third party fire and theft insurance. These products protect you against loss, damage, and third-party liability. For a tailored car insurance quote, contact Santam Direct on 0860 444 444.

No, Santam’s car insurance policy does not cover mechanical breakdowns. Most modern vehicles are covered by manufacturer warranties, service plans, or maintenance plans. However, Santam car insurance clients receive emergency roadside assistance, including towing, after a mechanical or electrical failure.

Yes, Santam provides vehicle insurance for certain modified, remodelled, or rebuilt vehicles, depending on their classification and risk profile. We encourage you to submit a formal request for a quotation. During this process, you will be asked the necessary questions to determine if your vehicle qualifies for cover. Once all technical and risk implications, along with the associated underwriting requirements have been established, the appropriate cover solution will be proposed.

Santam does not insure vehicles registered outside the Republic of South Africa. High import duties and deregistration costs make it difficult to provide cover for foreign-registered vehicles.

Comprehensive car insurance covers damage to your own vehicle, theft, hijacking, natural disasters, and third-party claims. Third party only car insurance covers damage you cause to other people’s vehicles or property. Third party fire and theft insurance is a middle-ground option that also covers your car if it’s stolen or damaged by fire.

Yes. You can get an instant car insurance quote online by answering a few simple questions. Santam’s digital platform lets you compare vehicle insurance quotes and customise your cover to match your needs.

If your car has a low market value, third party only car insurance may be sufficient. It covers the costs of damage to other vehicles or property but not your own. This can be a cost-effective option for older or second vehicles.

Yes, there are affordable car insurance options available, depending on your needs and budget. While "cheap car insurance" often refers to lower premiums, it’s important to compare quotes and understand what’s covered. Basic plans like third party only insurance may cost less, but offer limited protection. Santam provides flexible car insurance quotes to help you find the right balance between cost and cover.

Santam has an accredited network of trusted repairers to ensure quality and guarantee workmanship. However, if you’d prefer to use a vehicle repairer of your choice, it may be possible, depending on your policy terms. Speak to a Santam advisor or check your car insurance policy to understand your repairer options and whether any conditions apply.

While it's a common belief that car insurance premiums should decrease over time, this isn't always the case. Older vehicles may attract lower premiums due to depreciation, but factors such as repair costs, availability of parts, claims history, and risk profile also influence pricing. Santam regularly reviews your car insurance policy to ensure it remains fairly priced.