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.

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.


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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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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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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