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Car insurance

Insurance good and proper now guarantees what you’ll be paid out if your car is written off or stolen. 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.

Vehicle insurance cover options:

  • Comprehensive: accidental loss or damage to a vehicle, including third party liability. Insurance  good and proper now offers guaranteed value insurance which guarantees what you’ll get paid out if your car is written off or stolen.
  • 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.
  • Third party only: this covers the amount for which you are legally liable to a third party (if the liability relates to the vehicle). 

Guaranteed value insurance

Our guaranteed value insurance offering removes any uncertainty around what you can expect when claiming if your car is written off or stolen.

What are the benefits?

  • It removes uncertainty around what to expect as compensation if your car is written off or stolen.
  • It eliminates potential conflict.
  • It expedites the claims process.

Comprehensive vehicle insurance includes, but is not limited to, the following benefits:

  • The option of replacing a vehicle after theft or loss with a similar new one, subject to terms and conditions;
  • The option to insure your vehicle for a guaranteed value;
  • Replacement costs for locks, keys and remote controls.

Additional cover available for comprehensively insured vehicles:

  • The option to specify accessories such as mag wheels, canopies etc;
  • The option to add cover for credit shortfall with or without a residual;
  • The option to add vehicle hire.

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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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Building calculator

Did you know that approximately one out of three South African homes is currently underinsured by at least 30%? Use the online calculators to determine the true replacement value of your house and other buildings.

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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.

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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.

Ways to manage your insurance

Managing your insurance has never been easier with our dedicated client website and Santam app. Get quick and easy access to your insurance portfolio to report and track claims, view your policy details, and request adjustments to your policies. It’s just another way that we do insurance good and proper.

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