hero

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.

Learn more Get quote Get quote

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.

Read more

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. If you need five more reasons to choose insurance good and proper.

Read more

Accident & incident reporter

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

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

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.

Mirfin
National Inventory Data
Maxidor
Tracker
Surgetek
Altech Netstar
Spectrum
Trellidor

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.

Mind the Gap Cover: Get Vehicle Credit Shortfall Insurance

Mind the Gap Cover: Get Vehicle Credit Shortfall Insurance

Learn more
What is comprehensive car insurance?

What is comprehensive car insurance?

Learn more
5 Ways to get the best deal on a new car

5 Ways to get the best deal on a new car

Learn more
background

In the news

Understanding the excess linked to your insurance

08 December 2020

When signing up for short-term insurance products, one of the first aspects to consider is whether or not you have to pay an excess when submitting a valid claim.

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.

Read more

An error has occurred

Close