Car insurance

Insurance good and proper now comes with a guarantee. Your car is an indispensable part of your life. Consider the many potential risks that your car is exposed to and ensure that it is sufficiently protected.

Vehicle insurance cover options:

  • Comprehensive: accidental loss or damage to a vehicle, including third party liability. Comprehensive car insurance now comes with a guarantee. Guaranteed value insurance: cover that makes things right if your car is written off or stolen (Ts and Cs apply).
  • Limited (fire and theft): accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft; and
  • Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle). 

Guaranteed value insurance

Our guaranteed value insurance offering removes any uncertainty around what you can expect as compensation if your car is written off or stolen.

  • It removes uncertainty around what to expect as compensation during a total loss
  • It eliminates potential conflict and
  • It expedites the claims process

Comprehensive vehicle insurance includes the following benefits:

  • The option of replacing a vehicle after theft or loss;
  • Replacement costs for locks, keys and remote controls;
  • Recovery costs for found vehicle following theft or hijacking;
  • Emergency accommodation;
  • Emergency costs payable to public authorities; and
  • Trauma treatment.

Additional cover for comprehensively insured vehicles:

  • Comprehensively insured 4x4 vehicles qualify for 4x4 specific cover, at an added monthly premium. Extended benefits include, among others, increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be covered*, vehicle hire automatically included;
  • If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, safeguarding after mechanical breakdown and many more;
  • You can waive the basic excess on your vehicle; and
  • You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle. 

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.

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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 four more reasons to choose insurance good and proper.

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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.

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Cover Options

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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SOS services

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

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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.

In the news

Santam study finds SA drivers ‘in love’ with their cars

07 March 2018

A national client survey by Santam, has revealed interesting and surprising attitudes of drivers towards their vehicles, including emotional attachment and feelings of despondency if dispossessed of their much-loved cars.

Santam offers Budget 2018 ‘belt-tightening’ tips for South Africans

21 February 2018

In response to the 2018 Budget Speech, Santam, South Africa’s largest general insurer, has urged households to brace for another year of ‘belt tightening’ and consolidation of expenses.

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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.

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