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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.

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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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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.

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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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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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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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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

Know the difference between retail VS market value when it comes to correctly insuring a pre-owned vehicle

13 July 2016

Vehicle financing usually entails high financing charges, most of which comprises the interest on your loan over the repayment period. When the consumer’s car is financed, Santam offers credit shortfall cover with or without residual as an optional add-on when taking out insurance cover.

Travelers should consider upping travel insurance in the face of depreciating rand

28 June 2016

The declining value of the rand can cause havoc with an underinsured travelers’ budget.

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