Santam Car Insurance

Santam is known as one of the best insurance companies in South Africa and have a wide variety of insurance plans and services that attract a global audience through a network of more than 2000 negotiators and direct sales force.

Santam’s policyholders come from different backgrounds, ranging from ordinary people to entrepreneurs who own private enterprises.

Santam’s tag line “Insurance good and proper” speaks of a lifelong commitment to providing insurance responsibly and truthfully for both their clients and policyholders.

Santam has a total of 5 business divisions, which are.

• Santam Personal
• Santam Commercial
• Santam Specialist
• Santam RE
• MiWay

Santam contributes their success to their ability to always find their way around an ever-changing and risky systemic market.

Throughout the years, they’ve been able to improve and upgrade their brand in a very competitive business landscape by recruiting the best employees that can offer you the best service that enhances efficiency.  This is part of Santam’s economic value.

Strategically robust shareholder of Sanlam

Ever since the start of the company in 1918, Santam has been able to balance their risk and reward by paying more attention on gaining profits rather than just focusing on total industry sales.

Implementing this strategy has assisted Santam to be a strategically robust shareholder of Sanlam. Till date, Santam continues to make great strides in the insurance market.

Do you need more reasons to go for Santam?

• For more than 100 years, Santam has been offering good and proper insurance products to cater to your everyday car, home, and business needs.
• Santam is one of the biggest short-term insurers in South Africa, and organisations listed on the JSE list trust Santam to look after their enterprises.
• Santam always looks to handle and pay claims, doing so helps them discard unpredictability.
• Always available to assist you for emergencies and claims via their app and website.
• Santam makes your safety their priority. If you follow them on their social media platforms, you’ll gain access to tips about weather outages and safety precautions.

Santam’s car insurance not only covers any car, it’s also the right cover for lightweight vehicles used for delivery, motorcycles, caravans, and trailers.

Options included in Santam’s car insurance cover

• Comprehensive – The comprehensive option covers vehicle damage or loss due to an accident and includes the amount you’ve to lawfully pay to a third party if this payment pertains to that vehicle.
• Limited – The limited option specifically deals with hijacking, theft, and fire. If there’s an accidental damage or loss to your car, however, this damage or loss must be initiated by weather outages [lightning or explosion], fire, hijacking or theft and all the payments which you’re responsible to pay a third party must apply to the vehicle.
• Third party only – Money which you are legally responsible to pay to a third party when the money owed relates to the car.

Benefits you’ll receive

• After suffering a vehicle loss or theft, you can replace it with an identical car model.
• You’re given an option to insure your car for a Guaranteed Future Value (GFV).
• Keys, remote controls, and locks replacement costs are assured.

Low mileage = lower premiums

Is your car spending more time parked in a garage at home? With SmartPark from Santam, you get lower premiums for having low mileage. You can also stand a chance to save as much as 20% on your car insurance premium.

More on the comprehensive cover

If you’re a vehicle owner, you’re fully aware that there are so many incidents that can happen to your vehicle, but there’s only one kind of car insurance that can once again rectify things, and that’s comprehensive car insurance. This is the ideal car insurance if you require the best protection for your vehicle, whether you’re on or off the road.

What’s not covered?

As much as the comprehensive cover covers you against several kinds of collisions, maintaining and servicing your vehicle is your responsibility.

Any mechanical severities such as tyres that are worn out are not covered. If you’ve a broker or insurer, you can consult with them to check if your policy includes car hire if your car needs to be repaired.

What happens if your car is beyond repairs or stolen?

If your vehicle is deemed as beyond repairs or stolen, this is defined as a complete loss. If your vehicle was insured for a lesser market value, this can result in you ending up with insufficient cash to buy a model that’s similar to your old car.