hero

Asset insurance

Having your crops insured is one thing, but what about all your farm implements and computer equipment? Santam also offers farmers asset insurance.

Cover options

Property insurance

We understand the agricultural industry’s risks, which is why we provide insurance for your farm’s fixed and moveable properties against a number of risks.

Our offering entails:

  • Cover for the theft of electricity cables or water pipes
  • Cover for the refuelling of your car with the incorrect fuel
  • Cover for the damage to your tyres (up to R30 000)
  • If an individual is over the age of 55, no excess will be applicable
  • Cover for pumps on river banks against storm damage
  • Cover for damage that you are legally liable for in the event of a fire starting on your farm and spreading to the neighbouring farm
  • The settlement of pivot irrigation systems on replacement value

Car insurance

We cover your cars, bakkies, trucks, trailers, tractors, combines and farm implements with:

  • Comprehensive cover
  • Third-party, fire and theft
  • Third-party only

When covered by our comprehensive cover, you benefit from:

  • Car repairs up to R5 000 without prior consent
  • Medical expenses following a car accident up to R5 000 per occupant
  • Automatically included contingent liability
  • Automatically included unauthorised passenger liability cover of up to R2,5 million
  • Replacement of new cars with low mileage in the event of a car write-off as a result of an accident, theft or hijacking
  • Emergency accommodation of up to R5 000 in the event of a car accident
  • Free excess waiver for individuals over the age of 55
  • Cover for damage to tyres of agricultural tractors, harvesters and agricultural implements of up to R30 000
  • Vehicle hire if your vehicle is not drivable due to loss or damage
  • Car accident death benefit for employees of up to R60 000 per occupant

Liability insurance

You don't want to be left exposed to payment for damages for which you become legally liable as a result of death or bodily injury to people not employed by you and/or damage to someone else's property. We will cover you for:

  • Hunter's liability
  • Warehouseman's liability
  • Employment practices liability
  • Umbrella liability
  • Liability as a result of your animals
  • Liability as a result of a fire spreading from your farm
  • Liability as a result of a product you provided
  • Liability as a result of a dam wall breaking or overflowing

Additional cover

As farmers or producers you can take extra insurance to cover against:

  • Employees stealing your property
  • Death of you or your farm worker

Other sections

We provide flexible policies which take your insurance needs into account. We can add a number of options to your cover, including:

  • Cover for goods being transported
  • Accidental damage cover for pivot irrigation systems
  • Guesthouses
  • Watercraft insurance
  • Cover for your veld being destroyed by a fire
  • Extended cover for your 4 x 4
  • Death of your livestock
  • Vine insurance

Transportation of goods

The transportation of goods is an integral part of a farmer’s business and as important to a farmer as the produce he produces.

undefined Download brochure

Learn more

The benefits of insuring with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

Read more

Transportation of goods

The transportation of goods is an integral part of a farmer’s business and as important to a farmer as the produce he produces.

Download Brochure

Additional cover

As farmers or producers you can take extra insurance to cover against:

  • Employees stealing your property.
  • Death of you or your farmworker.

Other sections

We provide flexible policies which take your insurance needs into account. We can add a number of options to your cover, including:

  • Cover for goods being transported
  • Accidental damage cover for pivot irrigation systems
  • Guesthouses
  • Watercraft insurance
  • Cover for your veld being destroyed by a fire
  • Extended cover for your 4x4
  • Death of your livestock
  • Vine insurance

Comprehensive cover benefits

You don't want to be left exposed to payment for damages for which you become legally liable as a result of death or bodily injury to people not employed by you and/or damage to someone else's property. We will cover you for:

  • Comprehensive cover - Santam Agriculture not only protects your crops, but also protects you from exposure to liabilities on your farms as a result of damage to your properties, spread of fire, dam wall damage, death or injuries, products liability and much more.
  • Specialist solutions - Ranging from pivot irrigation systems to livestock, our specialist products will suit your needs.
  • Value-added benefits - Santam Agriculture offers farmers and producers added benefits when insuring their assets, such as access to emergency medical assistance and funeral cover for themselves and their farmworkers. Santam clients who belong to registered and approved Fire Protection Associations (FPAs) also benefit from reduced premiums.

Value-added services

Our agricultural policy is extended to include the following 24-hour services/cover free of charge:

  • A personal health advisor (24-hour medical services);
  • Emergency medical services (ambulance, helicopter and fixed-wing aircraft);
  • Legal assistance; and
  • A crisis line.
Learn more

World-class research

Santam is the only South African insurer with a scientific experimental farm that conducts accurate, in-depth hail damage simulation research on crops in order to ensure accurate damage assessments. Our research entails specific analyses of crop damage at different growth stages that are unique to South Africa’s climate, soil and cultivars.

Welcome to our blog

Santam shares the latest news and fresh perspectives on issues affecting the insurance needs of our agricultural clients.

background

Contact details

Our new world-class facility recently increased its members of staff in order to improve on our service to clients and intermediaries. We are building the skills and capacity required to operate as the best agriculture contact centre in South Africa.

Contact Centre Details:

E agriculture@santam.co.za
F 086 010 2001
T 086 024 7400

Comprehensive contact lists

View: Crop contact details
View: Assets contact details

In the news

Climate and agricultural conditions

04 September 2017

Rainfall conditions for most of the Summer Rainfall Area are likely to improve from the middle of October. Still hope for some rain for the Western Cape in September.

Climate and agricultural conditions

22 August 2017

Dry and windy conditions started to occur more frequently over most of the Summer Rainfall Area with the exception of the east coast areas where some rain occured. Wild fires are also increasing over the Summer Rainfall Area as a result of the dry and windy conditions with higher temperatures that also started to occur.

Read more