Car insurance

Your car is an indispensable part of your life. Make sure it’s sufficiently protected against damage, loss, third-party claims and other risk with the right car insurance. If you’re driving less than 15 000 km a year, you could save up to 20% on your insurance premium with SmartPark.

Our Vehicle insurance options include the following:

  • Comprehensive – accidental loss or damage to a vehicle, including third party liability
  • Limited (fire and theft) – accidental loss or damage to a vehicle, including third party liability only if the loss or damage is caused by fire, lightning, explosion, theft or attempted theft
  • Third party only – amounts for which you are legally liable to a third party if the liability relates to the insured vehicle

Some additional cover available at no additional cost:

  • Emergency repairs, costs and accommodation
  • Tow-in costs after mechanical breakdown and recovery costs
  • Repatriation costs
  • Trauma treatment

Optional cover:

  • 4x4 and off-road vehicles
  • Luxury vehicles
  • Classic vehicles
  • Accidental damage to tyres and rims

Are you driving less?

You could save up to 20% on your insurance premium with SmartPark™.

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The benefits of insuring with us

Santam is the insurer of choice for thousands of Namibians countrywide. We help keep you safe by delivering insurance good and proper.

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Cover Options

Comprehensive vehicle insurance cover includes these benefits:

  • Option of replacing a vehicle after theft or loss
  • Replacement costs for locks, keys and remote controls
  • Recovery costs for found vehicle following theft or hijacking
  • Emergency accommodation;
  • Emergency costs payable to public authorities; and
  • Trauma treatment.

Additional cover for comprehensively insured vehicles

Comprehensively insured 4x4 vehicles qualify for 4x4-specific cover, at an added monthly premium. Extended benefits include increased cover for emergency repairs, cover for winching equipment, repatriation costs as well as an extension to countries where the vehicle will be.

  • Vehicle hire automatically included.
  • If your comprehensively insured vehicle is a luxury vehicle you can also take out optional cover to get increased cover for loss of keys, tow-in costs, and safeguarding after mechanical breakdown and many more.
  • You can also choose to cover the contents of your caravan or trailer, or specify certain accessories of your vehicle.

*Extended countries means the following: Normally your vehicle is covered in RSA, Namibia, Lesotho,
Botswana, Swaziland, Zimbabwe, Malawi and Mozambique. Extended countries mean we also cover your
vehicle in Angola, Zambia, Kenya, Tanzania, Burundi, Rwanda and the Democratic Republic of the Congo.

Our flat excess structure

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 to you of insurance good and proper. With our flat excess, you know upfront how much your excess will be thus eliminating surprises at claims time. Now that’s proper, dependable, thorough insurance against any eventuality.


• A flat excess of n$3 000 applies instead of a percentage of the claim value
• A flat windscreen excess of n$1 000 and an excess of n$3 000 for repatriation claims applies


• A flat excess of n$1 250 instead of a percentage of the claim value applies.

Excess for clients 55 years and older

• No excess applicable

Welcome to our blog

Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.

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In the news

10 tips to ensure your insurance claim is paid out

26 July 2016

The Ombudsman is often approached to settle disputes after a claim has been rejected by an insurer. Here are 10 essential tips to make sure you won't have a claim rejected.

Drunk driving warning from ombud

26 July 2016

You are probably aware that if you crash your car while driving under the influence of alcohol or other drugs, your insurance company has the right to repudiate your claim, leaving you liable not only for the damage to your vehicle, but also for any other damage caused by the accident.

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