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Flood insurance

It’s winter and you may be wondering if you have the right cover in the event of flooding this season. At Santam, we understand that most incidents of flooding occur unexpectedly and that you may be concerned about your home and your belongings.

Insure your goods with Santam 

Santam provides cover for flooding as part of their personal insurance policies for cars, homes and house contents. In the event of flooding, we will cover you if all your home and household contents are insured for their replacement values while cars must be insured for their current market values.

Reasons to insure with Santam

  • Comprehensive cover: Cover for your household contents and car in the event of flooding;
  • Excess:  There’s no additional excess, standard excess applies for your car and house contents. Standard excess also applies for buildings (each occurrence).  
  • Additional cover: Accidental damage cover for your appliances at an additional premium; and
  • SOS services: Six free SOS services to all personal lines clients.

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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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SOS services

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

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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. If you need five more reasons to choose insurance good and proper.

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Santam app

A first-of-its-kind app from Santam now allows you to keep family and friends by your side, no matter where in the world you go. Another way we help you to be safe out there.

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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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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.

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.

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In the news

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.

Handing over your car keys could be costly

20 September 2016

Many South Africans rely on their own transport to get from point A to B and as a result, there are more than 10 million vehicles on South African roads according to recent statistics by the electronic national administration traffic information system (eNaTIS). In many cases, people share vehicles or pass them on to family members as they upgrade, thereby changing the profile of the regular driver of the insured vehicle.

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