Compare the best insurance quotes of South Africa and find the lowest rate
Santam happens to be one of the biggest insurance companies in South Africa. If you are living in Bloemfontein and are wondering whether you can insure your vehicle with this company, you will be glad to know that Santam possesses different offices there for their clients.
The company constitutes one of the main insurance companies in South Africa, with its headquarter in Cape Town, extending to different branches across South Afrca. It has a market share of 22 per cent and makes sure to provide its clients with a wide diversity of insurance services at an affordable price.
But before dealing with the different types of car insurance that Santam offers, as a driver you must know that there are certain things that need to be considered when choosing a cover for your vehicle.
Firstly, knowing the value of your car is extremely important as it should be consistent with the type of insurance you are going to pay for. Santam offers an online calculator that aims at getting all the information related to your car. That includes the model of your vehicle, year in which it was made, it mileages and the state in which your car is at present. Another resource that Santam gives you, in case you believe your car is too old, is a short form which you are also going to complete with your car`s information, so that the company can give you an estimate of your car. Such estimate relies on your car`s market value.
Secondly, it is necessary to get a quote from the company. This is very simple, as you just need to fill a form. You can do this online or in person (in one of Santam offices).
So, now that we have already discussed about the valuation of your car and getting a quote, we are going to focus on the different kinds of car insurance that Santam offers:
Comprehensive Cover: This is best option you can get if you have just bought a car and want full protection for it. This insurance covers any loss or accidental damage caused to your vehicle, including any type of liability caused by a third party. And the good thing is that you can get your car replaced if you have just lost it or it was stolen from you, you are given accommodation in case you are in an emergency and you need to stay far from home for the night, you receive medical assistance and psychological counseling and..Last but not least, every emergency cost is payable to public authorities. But bear in mind that you should pay recovery costs if your vehicle is found after it was stolen or hijacked.
If you happen to choose this cover, there are other benefits you will enjoy:
If you the vehicle insured with this insurance is a luxury car, you have the option of taking out optional cover so that you are able to increase the cover for the loss of keys, towing costs and also safeguarding after your car breaks down.
- The basic excess on your vehicle can be waived
If you pay an extra premium and you have a 4x4 vehicle, you have access to a 4x4 specific cover and that includes: an extra cover for car repair, cover for winching equipment, repatriation expenses and an extra coverage in other countries.
You can choose which type of contents will be covered or you can even create a list with the different accessories in your vehicle that you would like to be covered by the insurance.
Third party only cover: as regards this cover, it covers the amount of money that you are legally accountable to the third party. Needless to say that this only takes place as long as the liability is related to the vehicle.
Limited cover (fire and theft): covers any kind of unintentional damage caused to your vehicle and that also includes third party liabilities. One important thing to stress is that this insurance applies in cases of damages caused as a product of explosions, fire, lightning, thefts and attempted thefts
Finally, Santam offers a service that proves to be very helpful to their clients in everyday emergencies or even in situations of real danger. The company has developed an SOS service. It basically is a roadside emergency service that functions day and night. The client only needs to phone them on 0860 505 911.
In which situations is this service necessary?
When there is an accident and you need medical assistance.
When your car breaks down.
When you forget your keys inside the car.
When a flat tire needs to be changed.
When you need a jump-start service.
When you have run out of fuel and your vehicle stops.
When you need legal advice.
To conclude, if you live in Bloemfontein and would like to get complete car insurance for your vehicle, you can truly rely on Santam to do that job. Of course, the type of cover will not only depend on your budget but also on the valuation of your car and its needs.
If you want to contact the company for more information remember you can phone them on 051 400 3000 or you can go to their offices at College Sq, Nelson Mandela Dve, Free State, 9301.