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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 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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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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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.

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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.

Mirfin
National Inventory Data
Chubb
ADT
Maxidor
Tracker
Surgetek
Altech Netstar
Spectrum
Trellidor

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.

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In the news

Things you may not know about your insurance cover… but should

13 April 2017

Whether you’re buckling up for a road trip or getting ready for some quality time at home over the holidays, these facts about your insurance will help ensure you’re properly covered.

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.

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