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Personal Insurance

We offer quality cover in an easy-to-understand set of solutions, which can be designed to suit your personal needs. As South Africa’s most trusted insurer, we pride ourselves on our reputation for efficient payouts and a first-class claims experience.
We understand that you value your treasures above all else, but we all have uncertainties about what the future holds. We provide personal insurance that leaves little room for doubt because that’s the bottom line: if you care about your valuables, you need good and proper insurance that does the same.
Our Personal insurance offerings include:
Car Insurance
When it comes to vehicles, we’ve thought of everything. Our vehicle insurance covers you against loss or accidental damage caused by events such as theft, hijacking or lost keys. We’ll also provide assistance if you need emergency repairs. This includes cover for vehicles, light delivery vehicles, trailer caravan or motorcycle.
House Contents
Cover for household contents, personal property, fittings and fixtures against unexpected events like fire, water damage and even damage by wild baboons or wild monkeys (yes, it happens).It’s easy to underestimate the value of your home contents and it can cost you dearly should something go wrong. Our basic cover provides insurance protection of contents inside and outside your residence.
Buildings Insurance
We provide comprehensive insurance for your private property, including cover against loss or damage caused by malicious damage, loss of water and special alterations due to disability. Our basic cover for buildings includes residential structures and other fixed structures or fittingsat your home. We will also pay for special alterations to your private property to be accessible in the event that you are disabled after an accident.
Personal All Risk
Santam’s Personal belongings policy (otherwise known as All Risks) offers you comprehensive cover against loss or damage to all valuable personal items such as audiovisual equipment, jewellery, bicycles, wheelchairs and even stamp or coin collections. Our All Risks cover section provides cover for loss or damage to items you normally wear or carry with you outside your home. This would include items such as your clothing and personal belongings.
Watercraft
We’ll insure your watercraft against loss or damage, including cover for sinking or collision and the medical expenses of passengers. We offer comprehensive insurance for motorboats, ski boats, jet-ski’s or wet bikes including the standard fittings and accessories normally sold with watercraft.
Optional Cover
We have a range of product options you can add to your insurance portfolio includes cover for legal costs and legal expenses, personal accident cover, limited bed & breakfast cover and a 4×4 vehicle cover

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