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4 x 4 Vehicle insurance

If you own a 4x4 vehicle, Santam offers tailor-made optional insurance which includes extensions and services to suit your needs.

Our 4x4 vehicle policy provides cover for emergency repairs, winching equipment, repatriation costs, extinguishing costs and wreckage removal. Our 4x4 vehicle cover is available in 14 African countries, including Angola, Rwanda and Tanzania.

Cover options

You also have the choice of optional cover to insure your luxury vehicle with added benefits for the head, tail or spot lights, loss of keys, tow-in costs and safeguarding after mechanical breakdown.

Santam's Personal Accident Policy provides cover for death or injury following any accident, with the option to restrict cover to road accidents only. Insured sums range from R50 000 up to R5 million, depending on your age, income and choice. We also provide optional cover for death and permanent disability, including a Hospital Benefit and the Temporary Total disablement benefit.

You can also choose to waive the basic excesses under the motor section at an additional premium. Santam offers a range of additional covers to add value to your insurance portfolio. These are available as additional covers under some of the flexible Santam products.

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The benefits of insuring with us

Santam is the insurer of choice for thousands 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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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. If you need five more reasons to choose insurance good and proper.

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Accident & incident reporter

The Santam app lets you record accidents and incidents on the scene and capture critical information into one integrated claims process.

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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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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.

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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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In the news

Understanding the misconceptions of vehicle insurance

21 October 2019

Does picking a red vehicle mean you have a higher risk of an accident? And will this influence your insurance premium?

Beware of fraudulent e-mail, sms and WhatsApp scams

07 August 2019

Criminal syndicates are looking to exploit clients and intermediaries into transferring funds into their accounts by leveraging Santam’s brand and reputation.

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