You depend on your car to get you from A to B, and when something goes wrong, your life can come to a halt. At Santam, we protect your car against damage, loss, third-party claims and other risks. We cover cars, light delivery vehicles, motorcycles, trailers and caravans, providing coverage options to suit your needs and get you back on the road as quickly as possible.
Protection for you and your family
We can’t keep the unexpected from happening. But we can make sure that there are no nasty surprises when it comes to your insurance and you are not left with more questions than answers. Our excess structure enables us to fulfil our promise.
We offer the broadest range of insurance solutions
Our expertise stretches across personal, commercial, agricultural and niche markets. Our niche offering includes marine, aviation, engineering, legal, liability, bonds and guarantees, alternative risk transfer and corporate property insurance.
Drive 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.
Get cover for your vehicle that travels the full journey with you.
Vehicle keys-N$5 000
Emergency repairs, costs and accommodation- N$5 000
Tow-in costs after mechanical breakdown and recovery costs- N$1 000
Tow-in costs after mechanical breakdown and recovery costs
Medical expenses of passengers (non-family)- N$3 000
Medical expenses of passengers (family) - N$20 000
Trauma treatment- N$5 000
Emergency costs - N$5 000
Tools, spare parts and travel accessories
A credit shortfall (with/without residual)
Accidental damage to tyres or rims
Vehicle hire
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 more
Find out more about our optional extras that allow you to tailor your cover to your specific needs.
SmartPark™
Why pay more than you have to for your premium? If you drive less than 15 000km a year, you can save up to 20% on your car insurance premium.
Credit shortfall
Owe more on your car repayment than your vehicle is insured for? We’ll provide cover for that shortfall, so you aren’t out of pocket if your car is written off in an accident.
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.
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 a hijacking.
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.
Guaranteed value - vehicle insurance
Do away with the uncertainty of not knowing what your final pay-out will be if your car is stolen or written off. Guaranteed Vehicle Insurance guarantees an amount that is adjusted annually in line with inflation.
4x4 insurance
Love off-road adventures that take you beyond our borders? We protect you when you cross neighbouring African borders, by covering loss and damage to your 4x4, trailer, motorcycle, caravan or watercraft.
Buying or selling a car? Get a car insurance quote today.
What type of car insurance does Santam offer?
We offer a variety of cover options to ensure you are sufficiently protected against damage or the loss of your vehicle. Our products include cover for third-party claims and other risks you may be faced with in the unfortunate event of an accident. Contact +264 061 292 8000 to speak to an agent for more detailed information or to obtain a quotation.
Do you also cover mechanical breakdown insurance?
Santam does not provide cover against mechanical breakdown as part of its standard vehicle insurance benefits and services. Most vehicle manufacturers extend manufacturer warranties, service and maintenance plans and motor plans which cover a range of mechanical issues as well as vehicle service, maintenance and repair costs. We do, however, offer emergency roadside services such as towing, following a mechanical or electrical breakdown, to all Santam car insurance clients.
Do you provide insurance for rebuilt or remodelled vehicles?
Santam offers vehicle insurance for a broad spectrum of specialised, modified and rebuilt vehicles, depending on the categorisation of the vehicle. We encourage you to submit a formal request for a quotation. During this process, you will be asked the necessary questions to determine if your vehicle qualifies for cover. Once all technical and risk implications, along with the associated underwriting requirements have been established, the appropriate cover solution will be proposed.
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