Bonus option

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.

Use our online calculators to eliminate nasty surprises by ensuring that your car, house and personal belongings are sufficiently covered. 

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?

  • Vehiclesbuildings 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.
  • Free access to a vital SOS service for emergencies
  • 20% Cash-back reward if you don't claim for two years.

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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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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.

 6 tips to get the most for the car you're trading in

6 tips to get the most for the car you're trading in

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Insure your household contents properly

Insure your household contents properly

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Is cheap insurance the right insurance for you?

Is cheap insurance the right insurance for you?

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Car and Home Calculators

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.


SOS services

Our 24/7 SOS and claims services will help you through life’s emergencies – from roadside, route planning and chauffeur-driven support to legal advice and household and medical emergencies.

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Santam app

A first-of-its-kind app from Santam now allows you to keep family and friends by your side, no matter where in the world you go. Another way we help you to be safe out there.

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Cover for connoisseurs

Personal legal liability

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.

Personal accident

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.

All Risks

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.




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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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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.