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 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

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

Car calculator

Buying a car can be a huge financial commitment. Use the online calculator to determine if your vehicle is sufficiently insured to protect your investment.

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.

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.

Advice on car financing

Advice on car financing

Learn more
Get the full picture: hidden costs of trading in your car

Get the full picture: hidden costs of trading in your car

Learn more
Common car trade-in questions answered to help you buy smartly

Common car trade-in questions answered to help you buy smartly

Learn more
background

In the news

Counting the real costs of hail: denting not just your car but the economy too

21 October 2016

A big hail storm has wreaked havoc in parts of Bloemfontein recently with claims for damage to homes and vehicles streaming in at South Africa’s largest general insurer, Santam today. In a short period of time a hailstorm on the M1 North of the William Nicol highway in Johannesburg can cause extensive damage to a vehicle. For the insurance industry, a hailstorm lasting 20 minutes in two to three Pretoria suburbs could cost up to R100 million in claims for damage to vehicles and homes.

Handing over your car keys could be costly

20 September 2016

Many South Africans rely on their own transport to get from point A to B and as a result, there are more than 10 million vehicles on South African roads according to recent statistics by the electronic national administration traffic information system (eNaTIS). In many cases, people share vehicles or pass them on to family members as they upgrade, thereby changing the profile of the regular driver of the insured vehicle.

Read more