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Providing Insurance Good and Proper

Owning a car in South Africa is a necessity for many people, but it comes with risks. Car insurance is the peace of mind you need when you hit the road. We understand the importance of providing you with cover that meets your specific needs. Our insurance policies are designed to provide you with the peace of mind that comes with knowing that your vehicle is protected in the event of an accident, theft, or any other unforeseen event.

We go the extra mile for you

We’re here whenever you need us

Whether you’ve run out of fuel, need help with changing a tyre, or need directions; our range of emergency services is available at no additional cost.

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Drive less? Save more

Save up to 20% on your car insurance premium if you drive less than 15 000 km a year with SmartPark™. If you spend less time on the road, you should be spending less on your premiums.

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Drive me home

Over the legal driving limit? Get our chauffeur service to take you home. This service is available within 50km of the CBD in 10 cities across South Africa and can be called on six times within every 12-month contract period.

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Compare our vehicle insurance solutions



Core Classic Executive
Vehicle keys R1 000 R5 000 R15 000
Emergency repairs, costs and accommodation R5 000 R15 000
Tow-in costs after mechanical breakdown and recovery costs R1 000 R3 500
Cover for tools, spare parts and travel accessories Optional Optional Optional
A credit shortfall (with/without residual) Optional Optional Optional
Accidental damage to tyres or rims Optional Optional Optional
Vehicle hire option Optional Optional Group F, up to 30 days
Wreckage removal
Classic cars Optional Optional
Emergency expenses of passengers (non-family) R3 000 R3 000 R5 000
Emergency expenses of passengers (family) R3 000 R20 000 R25 000
Trauma treatment R5 000 R10 000
Emergency costs R5 000 R10 000

*Comprehensive, Limited and Third party covers are available on these solutions.

Insurance solutions

When you insure the things you value, it’s important to ensure your cover won’t leave you underinsured should the unforeseen happen.

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Most affordable


Quality affordable insurance for people who are growing their wealth.

Insure your car while enjoying optional extras at a competitive price.

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Most popular


Tailored, comprehensive insurance for financially established individuals.

Insure your building, contents and car, and benefit from optional extras to help prepare you for the unexpected.

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Tailor made


For discerning individuals looking to insure their most valuable assets.

Comprehensive, personalised insurance with a flexible worldwide cover option, extended limits and a dedicated team of expert claims and service consultants.

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Need more cover? Get more cover

Find out more about our additional options that allow you to tailor your cover to your specific needs.

Accidental damage to tyres and rims

Unplanned costs, such as damaged tyres and rims, can impact your budget. Make sure you’re covered against the unexpected with our optional extra insurance.

Car hire

Don’t get caught without a car. For a little extra added to your premium, you can hire a car after a claimable accident or in the case of theft or a hijacking.

Credit shortfall

Owe more on your car repayment than your vehicle is insured for? We’ll provide cover for that shortfall so you aren’t out of pocket if your car is written off in an accident.

Classic vehicle cover

A classic car is a work of art that's worth protecting and preserving. You can cover your classic vehicle if it’s over 25 years old and is considered collectable.

4x4 insurance

Love off-road adventures that take you beyond our borders? We protect you when you cross neighbouring African borders, by covering loss and damage to your 4x4, trailer, motorcycle, caravan or watercraft.

If you drive less, you should pay less. With SmartPark™

Don’t pay more when you use your vehicle less. With SmartPark™, you save up to 20% on your car insurance premium if you drive less than 15 000km a year. Work from home? Use a company vehicle often? Ask about SmartPark™.

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24/7 Roadside emergency services

We look out for you throughout your whole journey with our 24/7 emergency services, standard on all plans. View our services.


Day or night, wind or rain, we’ll tow your vehicle if it breaks down.

Jump start

Wherever you’re stranded, we’ll jumpstart your vehicle and get you back on the road.


Locked out? Lost your key? When you need a locksmith, you’ve got it.

Tyre change

Flat tyre? We’ll change yours before you can say “where’s the wheel spanner?”

Get an instant car quote today

Buying or selling a car? Get and online car insurance quote in 60 seconds.

Help and FAQ's


Tel: 0860 444 444


Claims and Emergency Services

Tel: 0860 505 911

What type of car insurance does Santam offer?
We offer a variety of cover options to ensure you are sufficiently protected against damage or the loss of your vehicle. Our products include cover for third-party claims and other risks you may be faced with in the unfortunate event of an accident. Contact Santam Direct on 0860 444 444 to speak to an agent for more detailed information or to obtain a quotation.
Do you also cover mechanical breakdown insurance?
Santam does not provide cover against mechanical breakdown as part of its standard vehicle insurance benefits and services. Most vehicle manufacturers extend manufacturer warranties, service and maintenance plans and motor plans which cover a range of mechanical issues as well as vehicle service, maintenance and repair costs. We do, however, offer emergency roadside services such as towing, following a mechanical or electrical breakdown, to all Santam car insurance clients.
Do you provide insurance for rebuilt or remodelled vehicles?
Santam offers vehicle insurance for a broad spectrum of specialised, modified and rebuilt vehicles, depending on the categorisation of the vehicle. We encourage you to submit a formal request for a quotation. During this process, you will be asked the necessary questions to determine if your vehicle qualifies for cover. Once all technical and risk implications, along with the associated underwriting requirements have been established, the appropriate cover solution will be proposed.
Can you insure a car that is not registered in SA?
Unfortunately, Santam does not insure vehicles registered outside the Republic of South Africa. This is due to hefty import duties and deregistration procedures, as well as prohibitive costs in the event of claim settlements.

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