Having your livestock insured is one thing, but what about all your farm implements and computer equipment?
Santam also offers farmers asset insurance.
Cover options
Property insurance
We understand the agricultural industry’s risks, which is why we provide insurance for your farm’s fixed and moveable properties against a number of risks.
Our offering entails:
- Cover for the theft of electricity cables or water pipes
- Cover for the refuelling of your car with the incorrect fuel
- Cover for the damage to your tyres (up to N$30 000)
- If an individual is over the age of 55, no excess will be applicable
- Cover for pumps on river banks against storm damage
- Cover for damage that you are legally liable for in the event of a fire starting on your farm and spreading to the neighbouring farm
- The settlement of pivot irrigation systems on replacement value
Car insurance
We cover your cars, bakkies, trucks, trailers, tractors, combines and farm implements with:
- Comprehensive cover
- Third-party, fire and theft
- Third-party only
When covered by our comprehensive cover, you benefit from:
- Car repairs up to N$5 000 without prior consent
- Medical expenses following a car accident up to N$5 000 per occupant
- Automatically included contingent liability
- Automatically included unauthorised passenger liability cover of up to N$2,5 million
- Replacement of new cars with low mileage in the event of a car write-off as a result of an accident, theft or hijacking
- Emergency accommodation of up to N$5 000 in the event of a car accident
- Free excess waiver for individuals over the age of 55
- Cover for damage to tyres of agricultural tractors, harvesters and agricultural implements of up to N$30 000
- Vehicle hire if your vehicle is not drivable due to loss or damage
- Car accident death benefit for employees of up to N$60 000 per occupant
Liability insurance
You don't want to be left exposed to payment for damages for which you become legally liable as a result of death or bodily injury to people not employed by you and/or damage to someone else's property. We will cover you for:
- Hunter's liability
- Warehouseman's liability
- Employment practices liability
- Umbrella liability
- Liability as a result of your animals
- Liability as a result of a fire spreading from your farm
- Liability as a result of a product you provided
- Liability as a result of a dam wall breaking or overflowing