The Core solution

Affordable quality cover you can tailor to your needs

I want insurance for

Our most cost effective solution

As you acquire assets, it’s not possessions you’re building up but rather, a life. And as you begin to gain financial momentum, it’s your future that you’re defining. It’s worth protecting. Protect every choice you make with affordable cover that adapts and grows as quickly as you do.

Our Core solution was developed for affordability and quality. Forget complicated cover and small print, we offer easy-to-understand covers and limits, personalised premiums, and optional extras that we can tailor to your specific needs.

Core benefits:

Affordable quality insurance

Flexible cover for your home and car

Tailor your insurance with optional extras

No surprise excesses

Personalised premiums

24/7 support for claims and emergencies

Vehicle cover

Enjoy the journey but protect the ride. Our Core Offering provides affordable, third-party or comprehensive covers for cars, light delivery vehicles, motorcycles, trailers and caravans.

What’s covered:

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

Replacement of vehicle keys

Emergency repairs, including cost and alternative accommodation

Tow-in costs after mechanical breakdown and recovery costs

Trauma treatment

What’s optional:

Specified accessories

Tools, spare parts and travel accessories

A credit shortfall (with/without residual)

Accidental damage to tyres and rims

Vehicle hire

Building and contents

Protect the memories you’ve built, and the ones still to come. Protect the life you’re working so hard to build. Get cover for your property, buildings and contents that is affordable and can be tailored to meet your needs.

What’s covered:

Veterinary expenses

Basic events such as fires, weather storms and burglary

Property keys

Transport of groceries

Subsidence or landslip (limited cover)

Personal effects of domestic employees and guests

What’s optional:

Subsidence or landslip (comprehensive cover)

Power surge

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

Tailor your cover to suit the needs of your lifestyle. The Core Plan offers optional add-ons to ensure no unexpected surprises cost you.

Additional cover:


Personal legal liability

Extended personal legal liability

Legal costs and legal expenses

Personal accident


Core 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.

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Tailored, comprehensive insurance for financially established individuals.

Affordability and quality, comprehensive cover combined. Classic includes building, contents, vehicle insurance and added extras to cover the life you are building with your family.

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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.

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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.

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Grow with Santam

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

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Online calculators

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

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Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

Who should take out the Core solution?
We developed the Core insurance solution with affordability in mind, while still retaining the quality Santam is known for. The covers and limits have been carefully selected based on market research, including benchmarking against other direct insurers. Santam Core insurance offers you easy-to-understand covers and limits, personalised premiums, and optional covers that we can tailor to your specific 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 Emergency 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.