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Santam Insurance South Africa | Car, Building and Home Insurance

Santam Insurance South Africa

Santam Insurance South Africa
Santam Insurance South Africa

You are on, in this article, we bring to you everything to know about Santam Insurance. An insurance company is any firm that provides a means by which risk is managed. Put it this way, Santam Insurance sells packages that offer protection against unexpected life circumstances in relation to damages, loss, theft or any bad situation.

With that said, Santam Insurance provides an array of insurance protection categorized into four groups. These are Santam Insurance Motor Insurance, Santam Insurance Health Insurance, Santam Insurance Business Insurance, and Santam Insurance Home Insurance. These are some but a few of the insurance services this company offers. Other areas of protection include Fire Insurance, Life Insurance, Liability Insurane, Business Insurance and many more.

About Santam Insurance

Santam is the leading general insurer in South Africa with a market share of more than 22%. We provide a diverse range of general insurance products and services in southern Africa and internationally through a network of 2 700 intermediaries and direct channels. We serve more than 1 million policyholders who range from individuals to commercial and specialist business owners and institutions.

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Santam’s commitment to its policyholders and clients is captured in the brand promise, Insurance good and proper, which emphasises responsible and ethical insurance.

The five business units are:

  • Santam Personal
  • Santam Commercial
  • Santam Specialist
  • MiWay
  • Santam RE

Services of Santam Insurance

Commercial Insurance

  • Business
  • Guesthouse
  • Tourism, leisure & entertainment

Specialist Insurance

  • Aviation
  • Cell Captive
  • Corporate Property
  • Drone Insurance
  • Court Bonds
  • Engineering
  • Heavy Haulage
  • Liability
  • Marine
  • Private Client
  • Seamless Product
  • Structured Insurance
  • Travel
  • Taxi and SEM
  • Real Estate

Agriculture Insurance

  • Asset
  • Crop
  • Right fire insurance protection

Personal Insurance

  • Building
  • Car
  • Drone Insurance
  • Executive
  • Home contents
  • Watercraft
  • SOS
  • SmartPark


Contacts of Santam Insurance


Personal Insurance
0860 444 444

Office hours: Monday to Friday 07:00-19:00, Saturday 08:00-13:00Commercial Insurance
0860 558 003

Agriculture Insurance
0860 247 400

Policy Documents
WhatsApp us on 0860 102 001 ().

Compliments and Complaints:
0860 102 725

24/7 SOS claims and emergency line:
0860 505 911 / 011 853 6681

Use our WhatsApp Claims self-service or chat on:
0860 505 911 ().

Short-term insurance Ombudsman:
0860 726 890

Frequently Asked Questions on Insurance in South Africa

How Much Is Car Insurance per Month in South Africa?

Car insurance in South Africa comes at an average cost of ZAR 1,322.00 per month. It should be noted that this varies greatly from one company to another the difference is the extent of insurance coverage you get and other premium services that come with the package. On a broader scale, the average monthly payment for car insurance is about 58 USD. Factors that influence your insurance premium include your driving history, your current location, and the coverage.

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Does Life Insurance Pay for Suicidal Death?

The answer to this question varies from one insurance company to the other. However, most insurance companies include a suicide clause in their life insurance policies. This simply means that the first two years of a life insurance policy do not cover suicide-related circumstances. This is done to protect the firm from situations where a policyholder purposefully commits suicide with the hope of winning his family or beneficiaries’ payouts. But in the case of a life insurance policyholder whose been with the firm for more than 2 years, a death benefit is paid out to the beneficiaries.

What Is Short-Term Insurance?

Short-term insurance is any insurance policy that lasts for an hour, day, week or month. These policies are designed for very short-term needs. It should however be noted that some insurance companies offer longer durations under this package. Generally, they provide protection against theft, damage to goods or property or any other form of liability.

What Is Excess in Insurance?

Excess in insurance is generally the amount of money you have to pay to cover your insurance claim. This allows the insurance to pass on an agreed amount of the risk to the policyholder and is included in the policy. So in the event of an insurance claim, the beneficiary pays a portion of the claim cost and the insurance company pays the rest.

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How Much Is House Insurance in South Africa?

How much is house insurance cost in South Africa? In South Africa, prices for home insurance vary from Rs 1,800 per square foot for basic projects and Rs 3,000 per sq ft for lavish projects. The coverage for house insurance extends to theft, fire, malicious or flooding, lightning, and storms. The two common coverage include Home Structure Insurance and Home Content Insurance.

Home structure insurance protects against damages to the structure of the building on the exterior or interior often resulting from storms, earthquakes, flooding, or lightning.

The home content insurance covers property theft within the house or damages to any property within the house.




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