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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 four 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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Home contents calculator

Make sure your home contents are sufficiently covered by using the online calculator to establish the true value of your belongings.

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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

Santam study finds SA drivers ‘in love’ with their cars

07 March 2018

A national client survey by Santam, has revealed interesting and surprising attitudes of drivers towards their vehicles, including emotional attachment and feelings of despondency if dispossessed of their much-loved cars.

Santam offers Budget 2018 ‘belt-tightening’ tips for South Africans

21 February 2018

In response to the 2018 Budget Speech, Santam, South Africa’s largest general insurer, has urged households to brace for another year of ‘belt tightening’ and consolidation of expenses.

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