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Car insurance

Your car is an indispensable part of your life. Make sure it’s sufficiently protected against damage, loss, third-party claims and other risk with the right car insurance. If you’re driving less than 15 000 km a year, you could save up to 20% on your insurance premium with SmartPark™.

Insurance good and proper also gives you the option of selecting Guaranteed Value Insurance as the basis for settlement, removing any uncertainty about what you can expect when claiming if your vehicle was written off or stolen.

This cover is for any car, light delivery vehicle, motorcycle, trailer or caravan.

Cover options include:

  • Comprehensive: accidental loss of or damage to your vehicle, including amounts for which you are legally liable to a third party if the liability relates to the vehicle.
  • Limited (fire, theft and hijacking): accidental loss of or damage to your vehicle, only if the loss or damage is caused by fire, lightning, an explosion, theft or hijacking, attempted theft or hijacking, and amounts for which you are legally liable to a third party if the liability relates to the vehicle.
  • Third-party only: amounts for which you are legally liable to a third party if the liability relates to the vehicle.

Comprehensive car 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.

Are you driving less?

You could save up to 20% on your insurance premium with SmartPark™.

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Get lower premiums for driving less

Driving less than 15 000 km a year? You could save up to 20% on your insurance premium with SmartPark™. Because if your car is spending more time at home, you should be spending less on your premium.

Call 0860 444 444 or your intermediary for more information.

The benefits of insuring with us

Santam is the insurer of choice for thousands of South Africans, countrywide. We help you be safe and stay safe - everywhere you go. If you need four more reasons to choose insurance good and proper, then click to find out more.

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Cover Options

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

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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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