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.

Learn more Get quote Get quote

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.

Read more

Personal cover options

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.

4 ways to a simpler insurance claim process

4 ways to a simpler insurance claim process

Learn more
Are you adequately insured against a fire in your home?

Are you adequately insured against a fire in your home?

Learn more
What is comprehensive car insurance?

What is comprehensive car insurance?

Learn more
background

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.

Read more

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.

Read more

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.

Read more

Home Contents Calculator

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

Read more

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

Winter fire safety in the home

15 August 2018

When temperatures plummet in winter, most people love to light a cosy fire or to snuggle up to a heater to keep warm. All of these heating efforts increase the risk of fires in the home, so it’s important to make everyone in your family aware of the dangers of fire during this season.

Why you need building insurance and how to switch from your bank

19 July 2018

If you own a home with the help of a bond, then you are legally bound by the bank to have building insurance in place to protect their investment. But besides being able to pay back your bond should your home be destroyed in a fire, structural insurance also gives you the peace of mind that you will personally be adequately covered.

Read more