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Owning a car in South Africa is a necessity for many people, but it comes with risks. Car insurance is the peace of mind you need when you hit the road. We understand the importance of providing you with cover that meets your specific needs. Our insurance policies are designed to provide you with the peace of mind that comes with knowing that your vehicle is protected in the event of an accident, theft, or any other unforeseen event.
We’re here whenever you need us
Whether you’ve run out of fuel, need help with changing a tyre, or need directions; our range of emergency services is available at no additional cost. Call our 24/7 emergency & claims line on 0860 505 911.
Learn moreDrive less? Save more
Save up to 20% on your car insurance premium if you drive less than 15 000 km a year with SmartPark™. If you spend less time on the road, you should be spending less on your premiums.
Learn moreDrive me home
Over the legal driving limit? Get our chauffeur service to take you home. This service is available within 50km of the CBD in 10 cities and can be called on six times per renewal period.
Learn moreIncluded
Excluded
| Core | Classic | Executive | |
|---|---|---|---|
| Vehicle keys | R1 000 | R5 000 | R15 000 |
| Emergency repairs, costs and accommodation | R5 000 | R15 000 | |
| Tow-in costs after mechanical breakdown and recovery costs | R1 000 | R3 500 | |
| Cover for tools, spare parts and travel accessories | Optional | Optional | Optional |
| A credit shortfall (with/without residual) | Optional | Optional | Optional |
| Accidental damage to tyres or rims | Optional | Optional | Optional |
| Vehicle hire option | Optional | Optional | Group F, up to 30 days |
| Wreckage removal | |||
| Classic cars | Optional | Optional | |
| Emergency expenses of passengers (non-family) | R3 000 | R3 000 | R5 000 |
| Emergency expenses of passengers (family) | R3 000 | R20 000 | R25 000 |
| Trauma treatment | R5 000 | R10 000 | |
| Emergency costs | R5 000 | R10 000 |
When you insure the things you value, it’s important to ensure your cover won’t leave you underinsured should the unforeseen happen.
Quality affordable insurance for people who are growing their wealth.
Insure your car while enjoying optional extras at a competitive price.
Tailored, comprehensive insurance for financially established individuals.
Insure your building, contents and car, and benefit from optional extras to help prepare you for the unexpected.
For discerning individuals looking to insure their most valuable assets.
Comprehensive, personalised insurance with a flexible worldwide cover option, extended limits and a dedicated team of expert claims and service consultants.
Find out more about our optional extras that allow you to tailor your cover to your specific needs.
Accidental damage to tyres and rims
Unplanned costs such as damaged tyres and rims can impact your budget. Make sure you’re covered against the unexpected with our optional extra insurance solutions.
Car hire
Don’t get caught without a car. For a little extra added to your premium, you can hire a car after a claimable accident or in the case of theft or hijacking.
Credit shortfall
Owe more on your car repayment than your vehicle is insured for? We’ll provide cover for that shortfall so you don’t find yourself out of pocket with monthly payments for a car you no longer own if your car is written off in an accident.
Classic vehicle cover
A classic car is a work of art that's worth protecting and preserving. You can cover your classic vehicle if it’s over 25 years old and is considered collectable.
4x4 insurance
Love off-road adventures that take you beyond our borders? We protect you by covering loss and damage to your 4x4, trailer, motorcycle, caravan, or watercraft even when you’ve crossed borders into neighbouring African countries.
Don’t pay more when you use your vehicle less. With SmartPark™, you save up to 20% on your car insurance premium if you drive less than 15 000km a year. Work from home? Use a company vehicle often? Ask about SmartPark™.
Learn more
We look out for you throughout your whole journey with our 24/7 emergency services, standard on all plans. View our services.
Breakdown
Day or night, wind or rain, we’ll tow your vehicle if it breaks down.
Jump start
Wherever you’re stranded, we’ll jumpstart your vehicle and get you back on the road.
Locksmith
Locked out? Lost your key? When you need a locksmith, you’ve got it.
Tyre change
Flat tyre? We’ll change it before you can say “where’s the wheel spanner?”
Need immediate assistance?
0860 505 911
Buying or selling a car? Get and online car insurance quote in 60 seconds.
Claims and Emergency Services
Tel: 0860 505 911
What type of car insurance does Santam offer?
Do you also cover mechanical breakdown insurance?
Do you provide insurance for rebuilt or remodelled vehicles?
Can you insure a car that is not registered in SA?
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