The Santam bonus option is a comprehensive insurance solution which rewards you for looking after yourself and your belongings.
Our bonus option is a comprehensive insurance solution that gives you a cash-back reward if you don't claim for two years.
This hassle-free solution gives you peace of mind knowing that your possessions are sufficiently covered – from the latest gadgets and electronic equipment to the contents of your house, your buildings or your vehicles.
Benefit from our preferred supplier discounts and rewards for practising good risk management, such as improving the security measures in and around your home or installing a tracking device in your vehicle.
It’s comprehensive cover that rewards you – just another way we’re delivering insurance good and proper.
Why choose our bonus option?
Vehicles, buildings and household appliances are insured under one package.
Cover for essential lifestyle items such as cellphones and tablets, wherever you go - even outside South Africa.
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.
Eliminate nasty surprises and lengthy claims processes by ensuring that your car, house and personal belongings are sufficiently covered. These simple online tools will help you determine if you are correctly covered.
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.
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.
Hospital benefit plan
Our hospital benefit plan compensates you for each 24-hour day in hospital as a result of an event which you are insured for.
We carry expensive lifestyle items and other valuables with us every day.
Our All Risks solution provides cover for loss 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.
With the July school holidays here and many homeowners planning on going on vacation, short-term insurer Santam has put together a guide to help people make sure their home contents are properly covered before they shut their suitcases and close the front door.
The Santam Home Explorer is a unique interactive video guide to making your home a safer place to live for you and your family. Click below to see where everyday risks can occur and how to prevent them. You decide which areas of your home you would like to explore by clicking on the interactive areas in the video.