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Keep your vehicles on the road and your business on track

If something happens to your company’s vehicles, would it affect your business? Whether your business owns one vehicle or a fleet, a delivery bike, or heavy commercial vehicles; the right insurance cover will minimise disruption to your business if something goes wrong. At Santam, we take the time to understand the specific risks that your business faces, and we offer comprehensive insurance for all types of vehicles, from cars to bakkies, buses to trucks, trailers, caravans and motorbikes. If it has wheels and it’s self-propelled, we’ll insure it, no matter the size of your business.

Why you should entrust your business to us

Flexibility to meet your needs

We offer a range of solutions depending on your needs and budget. You can cover your vehicle for own damage and/or third-party liability and/or passenger liability. Vehicles are insured on an individual basis. The basis can be comprehensive cover, which provides protection against all risks. Alternatively, in exchange for a lower premium, the cover can be reduced to third-party liability, fire and theft only, or further reduced to third-party liability cover only. The choice is yours.

Make your payments work for you

Do you owe more on your car repayments than your vehicle is insured for? Our credit shortfall option provides cover for that shortfall, ensuring you aren’t out of pocket if your car is written off in an accident or stolen or hijacked while you’re still paying it off. We can also talk about different excess structures to suit your needs.

We’ve got your back with 24/7 Emergency services

When you need us, we’re there. Vehicle just stopped and you need a jumpstart? Locksmith? Tyre change? Whatever you need, we’ll be there and get your vehicle back on the road. Simply call our 24/7 emergency claims line on 0860 505 911.

Choose from a full range of business motor insurance options

If it’s comprehensive, intelligent vehicle cover that you need, backed by years of knowledge and experience, you’ve come to the right place. With our range of business insurance options, you can select the best combination of cover for each stage of your business’s development.

Cover for taxis

We offer innovative, relevant cover to taxi and shuttle businesses. Through Vulindlela Underwriting Managers (VUM), we understand the specialist risks of the industry and what is needed to safeguard your business. We offer cover for e-hailing, minibuses, metered taxis and shuttles.

Heavy haulage

Santam Heavy Haulage is South Africa’s leading heavy commercial vehicle short-term insurer. Working closely with our specialist intermediaries, we assist fleet owners with risk management to proactively reduce incidents, helping you to decrease your insurance costs in line with your risk profile.

Car hire

Never get caught without a ride. 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.

Accidental damage to tyres and rims

Unplanned costs, such as damaged tyres and rims, can put a dent in your budget. Luckily, we can cover you for that.

Guaranteed Value

Know exactly what you will be paid out if your vehicle is stolen or written off. This option guarantees an amount that will be paid out and is adjusted annually in line with inflation.


The accidental breaking of window glass can be expensive, inconvenient and leave you, your driver and your business vulnerable. We’ll cover the replacement of glass, with the option to pay for express delivery of replacement glass and overtime charges.

Get the help of an expert

We understand the importance of working in partnership with our intermediaries to provide the best possible insurance solution. Together, we can guide you through the many cover options available, and ensure you are protected. Get peace of mind with insurance good and proper.

Santam business assist

At Santam, we understand this and know that your time is precious. You need to focus 100% of your time and energy on your livelihood. With Santam Business Assist, we work hard for you by taking care of the administrative tasks while you focus on growing your business. View our services.

Emergency and convenience services

Even with the best plans in place, emergencies can arise. Santam Business Assist is designed to help you handle unforeseen office emergencies with ease. Whether it’s plumbing, electrical issues, a broken window, lost or broken keys, renewing your vehicle’s licence disc or a driving service; we have someone to assist you.

Finance assist

Access to telephonic financial advice and preventative education rendered by highly skilled professional consultants to help you manage your finances effectively.

Marketing assist

Access to experts to help you with your marketing needs. An online presence can widen your exposure to potential customers, bolstering sales.

Labour and hr assistance

Santam Business Assist connects you to qualified legal advisors and HR experts who will help you with your labour and HR related matters.

Need immediate assistance?

0860 109 971

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