hero

Car insurance

Safeguard yourself against unforeseen vehicle emergencies with our insurance for cars, light delivery vehicles, trailers, caravans and motorcycles.

Your car is an indispensable part of your life. Consider the many potential risks that your car is exposed to and ensure that it is sufficiently protected against any eventuality.

Use our online calculator to determine if your vehicle is sufficiently insured to protect your investment. 

Vehicle insurance cover options: 

  • Comprehensive: accidental loss or damage to a vehicle, including third party liability;
  • Limited (fire and theft): accidental loss of damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lighting, explosion, theft or attempted theft; and
  • Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle). 

Comprehensive vehicle insurance includes the following benefits: 

  • The option of replacing a vehicle after theft or loss;
  • Replacement costs for locks, keys and remote controls;
  • Recovery costs for found vehicle following theft or hijacking;
  • Emergency accommodation;
  • Emergency costs payable to public authorities; and
  • Trauma treatment.

Additional cover for comprehensively insured vehicles: 

  • Comprehensively insured 4x4 vehicles qualify for 4x4 specific cover, at an added monthly premium. Extended benefits include, among others, increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be covered*, vehicle hire automatically included;
  • If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, safeguarding after mechanical breakdown and many more;
  • You can waive the basic excess on your vehicle; and
  • You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle. 

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho, Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.

Brochure

Click below to read a comprehensive break-down of our personal lines insurance solutions.

undefined Download brochure

Learn more Get quote Get quote Car calculator

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

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

Learn more
3 easy steps to trading in your car

3 easy steps to trading in your car

Learn more
Advice on car financing

Advice on car financing

Learn more
background

Cover Options

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.

Read more

SOS services

Our 24/7 SOS service supports you through life’s little and large car and household emergencies.

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

Submit a claim

Dial Santam's 24/7 Emergency Claims line on 0860 505 911 any time of the day or night and we will take care of the rest.

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.

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.

Read more