Compare the best insurance quotes of South Africa and find the lowest rate
Did you know that one of the best car insurance companies has branches in East London? Yes, that’s right. That is Santam and it is always close to their clients, which is why one is the companies chosen by most South Africans to insure their vehicles.
Now let’s learn how this company can make sure your car is insured in the best way possible.
Santam proposes three different kinds of covers:
Comprehensive: it covers any accidental damage or loss caused to the vehicle, including a liability caused by a third party. With the comprehensive cover you can get the following benefits:
You can replace your vehicle after you have lost it or after it was stolen.
There are replacement costs for keys, locks and remote controls.
There are recovery costs if your vehicle is found after being stolen or hijacked.
Accommodation provided after an emergency.
Trauma treatment to the client
Every emergency cost is payable to public authorities.
What is more, there is an additional plus for vehicles insured with the comprehensive cover:
-If the car insured with the comprehensive cover is a luxury one, you can take out optional cover so that you increase the cover for towing costs, loss of keys and safeguarding after your vehicle breaks down.
-The basic excess on your car can be waived.
-4x4 vehicles qualify for 4x4 specific cover if you pay an extra premium, which does not make a big difference financially speaking. Extended benefits include an extra cover for vehicle repair, repatriation costs, cover for winching equipment and also an extension to some countries where your vehicle will be fully covered.
- You can select to cover the contents of your trailer or caravan or even specify in detail which accessories your vehicle possesses.
Limited (fire and theft): accidental damage caused to your vehicle, which includes third party liabilities, but pay attention because this refers to cases in which the damage is a result of lightning, explosion, fire, theft or attempted theft.
Third party only: this type of insurance covers the sum that which you are legally liable to a third party. Of course, this happens if the liability is related to the vehicle.
Now that you have read in detail each option, you might be asking.. How do I know how much insurance does my vehicle needs? Let’s take into account some important factors so that you can make a wise choice.
If you have just bought a car the best option will be to take the comprehensive cover.
If you only want basic protection, only in cases of emergency such as fire and theft, then you might like to choose the limited cover.
If your car is a bit paid off and old, you might consider the third party insurance.
Now, if you are wondering how can you estimate the value of your car and based on that choose the best cover, Santam offers an online calculator in which you can choose what year was your car made, what is the make of your vehicle, what is the model of your vehicle, its mileage, if it is in a poor, good, very good or excellent condition. Based on all that information you will find the insurance that suits you best. However, if you are still having doubts and you believe your car is too old, you can request a vehicle valuation by completing a form in their internet page so that Santam will contact you with an estimate of your vehicle. Of course, that valuation gives an estimate of the realistic value of your car in the market.
And.. If you want to get q quote, you also have the chance of filling another form, with your information and the company will contact you as soon as they receive what you have submitted. Then, you will get a very quick quote.
Okay, so now that you have chosen the perfect cover for you, what kind of assistance can you get with Santam? See the different ways in which the company can help their clients in case of an emergency. How? Through their SOS services there is a roadside emergency service that functions 24/7. Just call them on 0860 505 911 and get these benefits:
Whenever you car breaks down.
There is a jump-start service available.
Whenever you forget your keys inside your vehicle you get assistance.
If you are having flat tires they are going to be changed.
The company will deliver 10 liters of fuel in case you run out of it.
Access to hospital and doctors.
You can get legal advice from Santam lawyers.
Finally, based on your budget and your needs Santam offers in East London three types of insurance for your vehicle and also a SOS service to make sure you are assisted at all times. Once you have calculated the estimated value of your car and its need you will be able to get the best car insurance for it.
Would you like to contact Santam? You can phone them on 43 702 5000
Or go to their branch in East London at Floor 2 The Quarry, Pearce St, Berea