Personal insurance

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 more than a 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.

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Get lower premiums for driving less

Driving less than 15 000 km a year? You could save up to 20% on your insurance premium with SmartPark™. Because if your car is spending more time at home, you should be spending less on your premium.

Call 0860 444 444 or your intermediary for more information.

The benefits of insuring with us

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

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Personal cover options

Welcome to our advice section

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.

Cybercrime on the rise: why you DO need to take it personally

Cybercrime on the rise: why you DO need to take it personally

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Buying a Home in 2021? Everything Your Insurance Company Thinks You Know, But You Probably Don’t

Buying a Home in 2021? Everything Your Insurance Company Thinks You Know, But You Probably Don’t

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Road trip safety tips this Easter

Road trip safety tips this Easter

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Ways to manage your insurance

Managing your insurance has never been easier with our dedicated client website and Santam app. Get quick and easy access to your insurance portfolio to report and track claims, view your policy details, and request adjustments to your policies. It’s just another way that we do insurance good and proper.

Register on our website Download our app

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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Building calculator

Did you know that approximately one out of three South African homes is currently underinsured by at least 30%? Use the online calculators to determine the true replacement value of your house and other buildings.

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Submit a claim

Dial Santam's 24/7 Emergency Claims line on 0860 505 911 any time of the day or night and we will take care of the rest.

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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.