The Classic solution

Comprehensive insurance that offers great value

Get the cover and value you need

Life’s all about balance. And as your life changes, you learn to balance what you need with what you can afford. Our Classic insurance solution balances comprehensive insurance to safeguard the life you’re building with affordable premiums and value.

We won’t baffle you with complicated cover or limits. Instead, we offer easy-to-understand insurance with personalised premiums and options to tailor your cover. Be prepared for the unexpected – protect the items you value from property and cars to caravans and watercraft.

Classic benefits:

Balance comprehensive cover with pricing that works for you

Get flexible cover for your home, including personal possessions and vehicle

Enjoy optional extras at affordable premiums

Simplified covers and limits

Personalised premiums

24/7 support for claims and emergencies

Vehicle cover

Get cover for your vehicle that travels the full journey with you. Our Classic Offering provides cover ranging from third-party to comprehensive and will cover cars, light delivery vehicles, motorcycles, trailers and caravans.

What’s covered:

Cover for events such as accidents, theft, and third-party liability cover

Replacement of vehicle keys

Emergency repairs, cost and alternative accommodation

Tow-in costs after mechanical breakdown and recovery costs

Trauma treatment

Replacement of new vehicle within 12 months and 30 000km from first registration

What’s optional:

Tools, spare parts and travel accessories

A credit shortfall (with/without residual)

Accidental damage to tyres or rims

Vehicle hire

4x4 and off-road cover

Contents of caravans and trailers

Building and contents

Cover more than your house and contents, protect your home and everything you and your family have built.

What’s covered:

Cover for your property, buildings and contents for example in the event of fire and burglary

Alternative accommodation

Emergency expenses and personal effects of domestic employees and guests

A temporary increase of the contents’ insured amount during the festive season

What’s optional:

Limited bed and breakfast

Accidental damage and mechanical, electrical and electronic cover

Home industry - stock in trade

Cover for power surges

All risks

Optional cover for the loss of or damage to items you wear or carry outside your home, wherever you are in the world, including items such as clothing and personal effects.

What’s covered:

Clothing and personal effects

Specified items such as jewellery, mobile devices and bicycles


Additional cover options

Balance budget with smarts. Classic offers practical, optional cover at an affordable extra premium.

Additional options:


Personal legal liability

Extended personal legal liability

Legal costs and legal expenses

Personal accident


Classic not quite right for you?

No problem. Whoever you are, and wherever you find yourself in life, we have the right insurance solution to suit your lifestyle and needs. Have a look at our other options.

Swipe for more

Most affordable


Quality affordable insurance for people who are growing their wealth.

Make smart decisions as you build your home and lifestyle. Insure your vehicle, building and contents while enjoying the flexibility of added extras at a competitive price.

Learn more
Tailor made


For discerning individuals looking to insure their most valuable assets.

Want more in life? Get more from insurance. The Executive offering provides comprehensive, personalised insurance with enhanced limits and a dedicated team of expert claim and service consultants.

Learn more

Why wait, get a quote today.

Answer a few short questions and we’ll give you your obligation-free quote.

Emergency services

Trouble happens. And when it does, you can count on our 24/7 emergency services that support you through life’s little and large car and household emergencies.

Learn more

Grow with Santam

News, articles, calculators and other advice on how to make smart, informed choices in your life.

Learn more

Online calculators

Avoid being caught short by using our online risk calculators to determine the correct value of your home and its contents.

Learn more

Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

Who should take out the Classic solution?

We understand that as your life changes, so do your insurance needs. We designed the Classic insurance solution by balancing comprehensive cover and pricing to safeguard you when the unexpected happens and protect those items you value most, from property and cars to caravans and watercraft. It comes with simplified policy wording, easy-to-understand covers and limits, personalised premiums and optional covers that we can tailor to your individual needs.

Is my household goods covered?

Santam offers extensive home contents cover to ensure that your household goods are sufficiently protected against any insurable adverse event. You are welcome to visit the Santam website for more information on Santam's range of insurance benefits and services.

What types of vehicles are covered?

Cover for cars, LDVs, motorcycles, trailers and caravans, ranging from third-party to comprehensive cover.

What 24/7 Emergency services can I use?

Our range of SOS services is available at no additional cost to all existing clients. We’re here for you whenever you need us. Simply call our 24/7 Emergency and claims line on 0860 505 911.

Can't find what you are looking for? Visit the help centre

Get a quote

To get insurance for you, provide a few details and let us call you, or call us on 0860 444 444.