Personal lines

We try to look after ourselves and our valuables as best we can but we don’t know what the future holds and which risks we’ll face each day.

Personal insurance for you and your family

Santam helps you find your way through life’s ups and downs by providing insurance solutions based on nearly 100 years of experience.

Our promise of insurance good and proper means we take the time to understand the risks you face and consider the solutions best suited to your needs.


Click below for a comprehensive break-down of our Personal lines insurance solutions.

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The benefits of insuring with us

Santam is the insurer of choice for millions of South Africans countrywide. We help keep you safe by delivering insurance good and proper.

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Personal cover options

Get great deals through our partners

Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

SOS services

Our 24/7 SOS service supports you through life’s little and large car and household emergencies.

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Safety tips

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go.

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Santam app

A first-of-its-kind app from Santam now allows you to keep family and friends by your side, no matter where in the world you go. Another way we help you to be safe out there.

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Car calculator

Buying a car can be a huge financial commitment. Use the online calculator to determine if your vehicle is sufficiently insured to protect your investment.

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Cover for connoisseurs

Personal legal liability

Personal legal liability provides insurance cover if you are legally responsible for the accidental death of illness of or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings.

Extended personal legal liability

No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section.

Legal costs and expenses

This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters as well as criminal, civil or labour court actions.

Personal accident

We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident.

Hospital benefit plan

Our hospital benefit plan compensates you for each 24-hour day in hospital as a result of an event which you are insured for.

All Risks

We carry expensive lifestyle items and other valuables with us every day. Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home.

Our All risks section includes cover for:

  • Clothing and personal effects - the clothes you wear, as well as the personal items you carry with you, including personal sporting equipment; and
  • Specified items – items that need to be specified for cover, based on their correct value. This includes keys, locks, remote control units, certain collections, bicycles, laptops, tablets and cellphones. All specified items will be reflected in your policy.




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Welcome to our blog

Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.

Tips on avoiding fraud and scams

Tips on avoiding fraud and scams

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How to burgle-proof your home

How to burgle-proof your home

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Third-party vehicle cover: what you need to know

Third-party vehicle cover: what you need to know

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In the news

04 May 2015

Load shedding: farmers urged to take extra precautions

As the reality of load shedding hits South Africa, farmers are bracing themselves for the impact this is likely to have on their production schedules and revenue.

28 May 2015

Santam sponsored Western Cape Young Farmer of the Year announced

Carl van der Merwe was named the Agri Western Cape and Santam Agriculture Young Farmer of the Year 2015. Van der Merwe farms with apples and pears on Boplaas in Ceres.

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