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Santam is a highly recognized South African company offering a whole set of diverse products. Among those products, we can find plenty of car insurance products aiming to satisfy all kinds of drivers’ needs. As we know that you’ve come here to discover what this insurance company has on display for South African drivers, we have gathered basic and useful information that will simplify you the buying car insurance process. In this article, we’ll analyse that information to make you understand what’s Santam Car Insurance about and what’s the perfect cover for you

Will Santam give me a car insurance quote online?

Santam has succeed on keeping up with technology and they can process your quote application online. You will find this extremely practical when trying to find the best coverage for your automobile for a fair quote. You will only have to provide their consultants with some information about the characteristics of your car for them to know how much your vehicle is worth. With that data, you can obtain a possible Santam car insurance quote.

How to get affordable Car Insurance with Santam Calculator?   

Apart from the characteristics of your vehicle - model, year, series and so on, there are many other factors involved in the price you’ll pay for Santam car insurance. To name a few, we can mention your driving history, if you’ve made claims on car insurance in the past, if you’ve had car accidents, the area where you drive your vehicle, etcetera. All those features are the ones that Santam looks at to calculate your car insurance quote. However, the chief feature is the type of insurance you buy for your car as, you decide which level of protection you are interested in buying. As a result, using a quote calculator will be of great help for you to compare prices for the different car insurance covers Santam has. For example, you can study if it’s worth paying more for a high protection and to be covered for any eventuality or, you prefer to pay less if you understand your car isn’t exposed to many risks.  

Do Santam clients give good reviews about their car insurance service?

One main aspect to consider when getting car insurance is to know what do citizens say about the products. In fact, we should listen specifically to those using that product as, that’s the real thing. If we go over what Santam car insurance existing customers claim, we can find out about Santam’s responsibility when it comes to providing their service. To begin, their customers are satisfied about car insurance claims they’ve made with positive results. Also, they think having a service to assure them to arrive their home safe when over drinking is one of the best services Santam offers. They also add, Santam works day and night to give them the help their clients need with the SOS SERVICE. Without a doubt, this extra assitance together with Santam’s covers are enough to give them a chance to choose them. All in all, we can say this company has a great reputation on their vehicle insurance service.

Why to contact Santam car insurance brokers?

One of the best ways to assure yourself you’ll have the best car insurance product is by talking to a broker. If you need a little extra assistance, Santam’s brokers will be at your side to guide you even when you have to lodge a claim.

Santam Car Insurance: what’s comprehensive cover about?    

Comprehensive car insurance at Santam is one of the most complete plans you get to buy in South Africa. Apart from including a wide range of risks, they have also special covers for 4x4 or luxury vehicles. But, coming back to what comprehensive car insurance offers, you must know Santam will protect your vehicle from the most known risks. One of the best characteristics is related to the cost of medical treatment in a car accident. Santam will cover it whether your passengers are members of your family or not. In case your passengers are your family, they will give you even a higher amount. Then, focusing on the vehicle, Santam will take care of: replacing your car, towing and safeguarding it, assisting you on emergency repairs as well as delivering your car once it’s fixed and, what’s more, vehicle transfer is comprised in this cover. If you buy this cover, you will use your car completely protected.

Is it possible to get car insurance for a truck at Santam?    

As we said, Santam has insurance products for all kinds of necessities. If you pay attention to their business-related insurance, you’ll find they also protect heavy vehicles like, trucks. In this package, you can get vehicle insurance for trucks that weigh 3.500kg or more. there are two particular characteristics in this plan. On one hand, the vehicle gets covered for liability claims, damaged, towing, medical cost for the driver and, even in case the fuel tank spills fuel. This last feature is clearly an indication of how well Santam understands this kind of vehicle issues. On the other hand, they also cover the good your truck transports. For instance, you’ll get:

  • Load protection coverage

  • Household stock cover

  • Agricultural goods cover

  • Recovery cover

  • Cover for settlement and equipment.

It’s important to mention that such cover applies to Southern African Development Community only.

Remember you can add optional coverage to your policy wording and get the most suitable protection for your truck.

Main Benefits of buying Santam Car Insurance    

When we need to look at the benefits of getting Santam Car Insurance, we can resort to the 3 different packages they offer and some extra characteristics worth pointing out. Apart from having these 3 options to choose from, there are benefits underlined on the service they provide their customers:

  • Comprehensive coverage: it protects your car against almost any situation: theft, accident, hail and 3rd party liability.

  • Third Party coverage: it will pay for the damage made to another vehicle in a car accident caused by your car.

  • Limited coverage: this plan will pay for the damage your car may suffer because of theft or fire. It has also 3rd party liability cover.

  • Getting any of these car insurance package, you’ll enjoy 24/7 assistance from Santam to make a claim, for example.

  • There are special discounts for joining policies to make your premium cheaper.

  • Additional car insurance packages are in charge of tailor-making your policy to what you need.

Is Scratch and Dent included in Santam Car Insurance?    

When purchasing a new car after having saved for a long time, we want to make our best to keep it in perfect conditions for the longest time possible. Even though we do our best to accomplish this, there are situations that are beyond our control. Another driver can hit us and damage our precious vehicle. For that reason, it’s a good thing to think about adding scratch and dent cover when buying insurance for our car. In general, this coverage may be found on comprehensive package but, there are cases in which you need to add such protection to your plan. Of course, adding it means having charged a little extra to your premium but, you have to think it will be useful if you get involved in a minor car accident as, you’ll have to pay for it either way. For Santam car insurance, this cover must be added by the client.

What does Roadside Assistance at Santam Car Insurance Cover?      

Santam perfectly knows being supported when driving is essential to have a relaxed trip. Because of that, they give their assured clients full roadside assistance 24 hours a day. It doesn’t matter the type of issue you have; you can contact them to be helped on the road. This benefit is a must if you drive your car with your children in it on daily basis as, you can’t expose them to waiting long hours in the middle of the road.

What to pay attention when getting Santam Car Insurance as regards Windscreen?   

If we have to refer to that extra protection most drivers want for their vehicles, we can’t forget about windscreen cover. This is why, there are some particular factors you must think about before deciding which cover you’ll buy for your motor vehicle. Here you have some of them to analyse if windscreen cover is a must for you:



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  • Study the area in which you normally drive your car to detect possible risks as, it may be a dangerous area.

  • Referring specially to your windscreen, you must consider if in that area vandalism occurs often enough.

  • Another important detail is where your park your car when you’re not driving it. Especially at night as, it’s under much danger.

  • Finally, hailstorms are the principal cause of windscreen cracks and chips so, it’s another issue to look at.

So, detecting how many of these risks does your car faces every day will let you know if you should get windscreen cover at Santam.

How does Santam Home Drive Assistance work? Can I get it with my car insurance policy?  

Home Drive Assistance is a service thought to reduce car incident caused by driving when drinking. If you are out and have drunk, you can call Home Drive Assistance to pick you up from where you are and, take you home. They will even drive your car so; you won’t have to worry about picking it up the next day. As simple as it seems, this service can even save your life avoiding a possible car accident.

How much excess should I pay with Santam Car Insurance?   

When dealing with car insurance, you need to know about excess. If you don’t know exactly what is it, we’ll explain it. Simply put, excess is the sum of money you would have to pay if you lodge a claim. For example, your car’s broken and you need R10000 to fix it. If we imagine your policy cover only R8000, you will have to pay for the remaining R2000. Such topic is dealt with when discussing your car insurance policy so, how much excess will you have to pay will depend on these 2 factors:

1) Which cover you selected

2) How much premium are you paying.

You have to decide if you want to pay less premium but, remember the excess will be higher in such case. Now, if you want to lower your excess, you will have to accept paying for a higher premium. Keep in mind, in times of trouble, having the best help is essential so, if you can, try to lower your excess so, you won’t have to worry about it if you need to make a claim.

What happens if I have Santam car insurance and my car is written off?  

A car is written off when, due to an accident for example, it suffers so much damage that the cost to repair it is higher than the car’s retail value and, as a consequence, it is not worth repairing. In such case, if you opted to get a comprehensive car insurance with Santam, they have Guaranteed Value Insurance which is a cover planned to help you if your car gets written off to protect you from losing it completely. Such cover also applies in case of having your car stolen.

Does MyBroadband issue Santam’s car insurance?    

MyBroadband is not an insurance provider of any kind so, you can’t get Santam vehicle insurance through them. At MyBroadband, you might get information about many topics of main interested in South Africa. Although you may even get some data about car insurance with Santam, you won’t be allowed to buy car insurance there. Basically, it’s a forum in which South African information is shared but, that’s all. To buy Santam vehicle insurance, you need to contact them and request your quote.

Santam Car Insurance Contact Details   

It’s time to focus on contact information to get these covers form Santam. Following, you’ll get their telephone number, email address and you will even get a table with key information summarized. When you have your insurance, you can use them if you have to make claims.

What’s Santam Car Insurance Contact Number?  

In order to have an instant response, the best option is to make a phone call. Santam’s phone number for personal insurance, which is the type that includes vehicle insurance, is 08 60 44 4444.

What’s Santam email address if I need car insurance?  

There are citizens in South Africa that prefer to communicate through email so, we’ll detailed Santam’s email address to make queries of any kind. No matter what you need, you can write to info@santam.co.za and ask them your question.

Where’s Santam office in Cape Town to buy car isnurance?  

If you live in Cape Town and you want to buy car insurance to Santam, you can simply go to Unit 6 in TPT Park along Gordon Road where you find one of the many Santam car insurance branches around the country.

Santam Car Insurance

SOS Emergency N°

 0860-505-911

Requirements

Registered car- Licence driver

Car Insurance

Short term insurance

Now, we can say you are closer to find the car insurance product you long for. If Santam car insurance is not enough for you, we recommend you to read about OUTsurance, another car insurance provider.

Leave your questions or comments

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Questions and Answers

What is a short term insurance?
Short term insurance is a type of insurance that is hired for a set period of time. It includes all types of insurance except for life insurance. The client decides the time and the amount to insure.
I want to get the insurance for my new car, what's the best cover?
Santam’s cover that most protection offers is comprehensive. If you can afford it, you need to get it.
Good day i want affordable cover, can I get it?
At Santam you can obtain affordable cover such as the most basic insurance which is the Third Party Only. Moroever, depending on the value of your car, the price can decrease
Are the plans for cars the same than for motorcycles?
Yes, these three plans are for cars, motorcycles and motorhomes
Can a car be insured if a person just join the insurance and they confirm that is approved but they did not deduct the monthly premium?
If you have just got car insurance, you might wait some time until Santam finishing processing the service. Your car isn’t protected until you have your policy wording.
Is it possible to have coverage outside South Africa?
The coverage outside South Africa is a special bonus that can be added to the comprehensive plan only.
I'm looking for car insurance in Cape Town, how do I do it with Santam?
You can quote with Santam to see if the price they charge you is accessible. Remember, you can go to the branch or call them.

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