Smart Way to Bundle Up and Manage Risk Proactively

Life can be unpredictable, and comprehensive insurance offers a proactive way to ensure you are well-prepared for the unexpected. Unlike limited vehicle cover that only protects you against fire, theft, and third-party liability, comprehensive cover goes beyond these basics to give you extensive protection against a wide range of events.

At Santam, we remain committed to delivering an exceptional client experience that aligns with your needs and expectations.  Our goal is to empower you with the freedom to focus on what matters most: protecting your assets with the right insurance cover.

What Does Comprehensive Cover Actually Cover?

Think of comprehensive insurance as your financial safety net, offering an extensive range of cover. Not only does it cover theft, fire, and third-party incidents, but it also protects against non-collision events like hail damage, vandalism, and smash-and-grab incidents. In the unfortunate event of an accident, it covers the cost to repair or replace your vehicle, at a fair market value. 

But that’s just the beginning. Santam’s comprehensive insurance goes the extra mile by offering six different types of SOS and value-added services to ensure you are covered in nearly every scenario:

• Roadside Assistance & Emergency Services: From breakdowns to emergency household repairs to ensure you are never left in a lurch.
• Car Hire & Legal Support: If your vehicle is out of action following an insured event, Santam provides car hire, as well as free legal advice whenever you need it.
• Trauma Treatment & Medical Expenses: Whether it's for you or your passengers, Santam offers support for trauma treatment and medical costs following a valid claim.
• Replacement Vehicle: If your car is written off or stolen, Santam will replace it with a new vehicle if it’s under 12 months old and has fewer than 30,000 km.

Add More Protection with Optional Add-Ons

Our personalised offerings are key to securing the best cover, you can protect your car’s tyres and rims in the event of accidental damage or cover any credit shortfalls if your vehicle is a total loss—simply by adding these optional add-ons, designed to give you comprehensive protection.

Bundle and Save

Why juggle multiple policies when you can streamline everything in one place? With Santam it is easy to bundle your vehicle cover with other insurance covers, such as home contents or building insurance. Not only does this simplify your insurance management, but bundling also comes with potential savings of up to 20% off your premium.

Here’s what’s available when you bundle with Santam:

• Home Contents & Building Cover: Get comprehensive protection for both your vehicle and your home in a single package.
• Accidental Damage & Power Surge Cover: Add extra peace of mind with optional cover for accidental damage to your home contents or protection against power surges. 
• All Risk Cover: Santam proactively protects your assets, even those that you carry around while you freely move about. Get All Risk cover for your valuable cellphone, bike and the likes and you can rest easy knowing you have the right cover in place.

Our comprehensive policies, value-added services, and tailored options ensure that you are always prepared for the unexpected. Review your cover today, bundle up, and enjoy a streamlined, cost-effective way to safeguard everything that matters most to you!