Bonds & guarantees

Santam Bonds and Guarantees offers niche security products in the form of court bonds and construction guarantees to a diverse range of individuals, privately owned and large publicly quoted groups in South Africa and continental African markets.

Why insure with Santam Bonds and Guarantees?

  • Competitive market rates and tailor-made world-class guarantee and court bond facilities.
  • Constant innovation and sound knowledge of the local and global surety markets ensure that we maintain a leading edge.
  • Extensive intermediary networks and solid intermediary relationships remain a core strength.
  • Extensive client base includes BEE and emerging contractors.
  • Enjoy backing of reputable international reinsurers.


Our sound knowledge of local and global surety market, coupled with an ability to constantly adapt our offering in line with market requirements, has enabled us to offer competitive, tailored and world-class guarantee and court bond facilities to our extensive client network.

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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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Our solutions extend to:

  • Guarantees, which include contract bonds that cover financial loss due to contractor default, performance and retention guarantees, advanced payment guarantees, bid bonds and maintenance guarantees. Also included under this section are trade bonds, which cover government departments or suppliers against enterprise debt payment failure, customs and excise guarantees, warehouse guarantees as well as utility guarantees.
  • Court and administration bonds, which include both liquidation bonds and deceased estates.

Contact details


T 011 912 8353/8123
F 011 912 8868

Court bonds

T 011 912 8351/8029
F 011 912 8868

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12 April 2018

The fires that ravaged Knysna and the surrounding areas in June 2017, followed by heavy floods that wreaked havoc in Durban in October, highlight insurance exposures in the face of climate change.

Knowing the terms and conditions of your heavy haulage insurance contract is essential

10 August 2017

Having the correct comprehensive insurance in place is a legal requirement, however insurers can have legal recourse should it be found the conditions of the contract between the insurer and the insured has not been fully met in the event of a claim.

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