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.

Save responsibly on your insurance premium without compromising on your cover

Save responsibly on your insurance premium without compromising on your cover

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Why your home or business needs a fire sprinkler system

Why your home or business needs a fire sprinkler system

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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

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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Home Contents Calculator

Make sure your home contents are sufficiently covered by using the online calculator to establish the true value of your belongings.

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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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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.

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.

Cellphone

Jewellery

Audiovisual

Special collection

Laptop

In the news

5 Ways to reduce your vehicle insurance premiums

11 November 2020

Good news is that, with many people now working from home and commuting less, you may be able to negotiate a better rate on car insurance.

Road safety is everyone’s business

29 October 2020

As we near the end of National Transport Month this October, statistics from the Road Traffic Management Corporation (RTMC) paint a bleak picture. According to RTMC, more than 12 500 people lost their lives on the roads in 2019.

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