Building insurance
| Every day, your house is exposed to many potential risks, the effects of which can be devastating. As a trusted insurer, we want to help you make sure your home is properly protected against unexpected events, such as a fire, explosion, storm, flood, lightning, burglary or theft. Our building insurance covers the structures of your home and any fixtures or fittings that belong to you. With over 102 years of experience, Santam will help you ensure that your residential home, walls, paving and swimming pool cover match their true replacement value. |
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| Our building insurance covers the following extended benefits Alternative accommodation Loss of water Power surge The cost of tracing a leak as well as necessary repairs Fire brigade charges incurred in their work to prevent or reduce damage to the property Property transfer (before a new house you purchased is legally transferred to you) Professional fees and demolition costs Rental costs for alternative accommodation should your house be damaged and uninhabitable |
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| Personal legal liability Personal legal liability provides insurance cover if you are legally responsible for the accidental death of, illness of or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss of or damage to someone else’s property or belongings. |
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| Extended personal legal liability No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section. |
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| Legal costs and expenses This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters as well as criminal, civil or labour court actions. |
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| Personal accident We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident. |
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| All Risks We carry expensive lifestyle items and other valuables with us every day. Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home |
Clothing Personal effects Specified items |
| SOS services Even the slightest structural damage to your house can lead to an unexpected disaster. Santam’s 24/7 SOS services and claims line will put you in touch with the necessary support in times of need. |
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| Safety tips Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. |
Car insurance
Cover Options
| Your car is an indispensable part of your life. Make sure it’s sufficiently protected against damage, loss, third-party claims and other risk with the right car insurance. If you’re driving less than 15 000 km a year, you could save up to 20% on your insurance premium with SmartPark™. Insurance good and proper also gives you the option of selecting Guaranteed Value Insurance as the basis for settlement, removing any uncertainty about what you can expect when claiming if your vehicle was written off or stolen. |
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| Get lower premiums for driving less Driving less than 15 000 km a year? You could save up to 20% on your insurance premium with SmartPark™. Because if your car is spending more time at home, you should be spending less on your premium. |
| Comprehensive Includes accidental loss or damage to a vehicle, such as car accidents, theft and hail, plus third-party cover. |
| Third party only Covers the amount for which you are legally liable to a third party, if the liability relates to the vehicle |
| Limited (fire and theft) Accidental loss or damage to a vehicle, including third party liability – only if the loss or damage is as a result of fire, lightning, explosion, theft or attempted theft |
| SOS services Our 24/7 SOS service supports you through life’s little and large car and household emergencies. |
| Safety tips Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. |
Drone insurance
Our Range of Drone Insurance Solutions
| A decade ago few could’ve predicted just how much our lives would be enhanced by the “expensive toys” in the sky. Drones, or unmanned aircraft, now play an important role in many types of businesses, and the development of drone technology has resulted in a multi-billion dollar global industry. |
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| From delivering pizza to being used in humanitarian response, drones have become a part of our everyday lives making our lives easier – and sometimes, more complicated. Drones are used extensively in farming, wildlife management to save dwindling animal populations, maintaining power lines, monitoring traffic and providing security surveillance of assets in remote parts of the country. |
| As the use of drones is on the rise, so are the risks. These toys are quickly becoming incorporated into the lifestyles of many South Africans. |
| Why drone insurance? It is estimated that there are between 40,000 and 50,000 drones in South Africa. Almost all those drones are flown by amateurs as there are just 663 Remote Piloted Aircraft Systems in the country, according to the 2018 State of the Drone Report |
| This can be supported by a finding that almost 10% of drones in South Africa are destroyed on their first flight – and most crashes are due to simple pilot error.Drones can cost anything from R1 000 to more than R100 000, meaning that, should a drone go missing on a flight, the owner can expect to suffer a substantial financial loss. Based on the number of potential accidents that can happen with drones, it is recommended you take out drone insurance to protect your investment with insurance that covers damage to the drone itself and yourself with liability insurance.Drone insurance ensures that if your drone is lost, damaged or causes loss, damage or injury to others, you will be covered to a certain extent, depending on the policy. |
| Personal/private use drone insurance For private operation, a drone may only be used for an individual’s personal and private purposes where there is no commercial outcome, interest or gain. |
| Commercial use drone insurance As a trained, licensed and registered owner, you will be eligible for specialised cover available for commercial operators. Commercial use is any use of a drone for monetary purposes. |
| Pilot excess waiver This policy covers you in respect of the excess (deductible) payable in terms of the Hull All Risks policy. This covers any aircraft not owned by yourself flown under hire and fly, rental, loan or employment arrangement, or flown while undergoing slight training, not exceeding the sum insured elected by yourself and subject to a valid claim being lodged against the Hull All Risks policy covering the aircraft. The cover excludes all losses not covered by the Hull All Risks policy covering the aircraft and cover is subject to reinstatement following a claim under this policy. |
| 10 most common reasons drones crash – About 75% of accidents are due to pilot error 1. Testing out the drone indoors without a stable GPS signal 2. Not doing a proper pre-flight check before take off 3. Not ensuring that propellers and batteries are properly fitted before take off 4. Failure to activate safety measures correctly 5. Setting the return GPS to a moving object; when the drone returns the pilot has moved on 6. Not waiting for a full satellite signal on the drone before take off 7. Battery issues – failure to check battery levels 8. Deactivating object avoidance sensors by flying drones in sport mode 9. Manufacturing faults, electronic parts, malfunctioning, faulty batteries, etc. 10. Using non-recommended smart device to fly a drone, getting a bad feed |
Home contents insurance
| It is easy to underestimate the value of the contents of your home. This can be an expensive oversight should anything ever go wrong. We want to help you make sure your home contents are adequately covered. Our solutions cover loss of or damage to contents caused by an insured event, such as a fire, explosion, storm, flood, lightning, burglary or theft. |
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| Our claims statistics indicate that one out of three homes in South Africa are underinsured by some 30%. Use our online risk calculators or arrange for a professional assessment to determine the correct replacement value of the contents of your house. |
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| Personal legal liability Personal legal liability provides insurance cover if you are legally responsible for the accidental death, illness or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss or damage to someone else’s property or belongings. |
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| Extended personal legal liability No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section. |
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| Legal costs and expenses This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters, as well as criminal, civil or labour court actions. |
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| Personal accident We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident. |
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| All Risks We carry expensive lifestyle items and other valuables with us every day. Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home. |
Clothing Personal effects Specified items |
| SOS services Even the slightest structural damage to your house can lead to an unexpected disaster. Santam’s 24/7 SOS service and claims line will put you in touch with the necessary support in times of need. |
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| Safety tips Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. |
Watercraft insurance
| Make the most of your water experiences knowing that your watercraft is sufficiently insured for any eventuality. |
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| We offer comprehensive insurance for most types of watercraft, including onboard motors, machinery, equipment and standard fittings, such as the hull and accessories which are normally included when purchasing a watercraft. |
| Our watercraft insurance covers the following, at no additional cost Reasonable costs incurred towards stowage, safekeeping, moving or transporting of the watercraft after loss or damage Salvaging costs incurred for recovery of the watercraft, with written consent from Santam Reasonable cost incurred towards returning watercraft to normal stowage after repairs, following due authorisations Emergency accommodation for maximum two nights for you and one passenger in the event that a journey cannot be completed Trauma treatment by a registered professional counsellor following the hijacking of the watercraft Emergency payments which you are liable for to any public authority due to loss or damage to the watercraft |
SOS Services
| Right Route | Directions if you’re lost or need to know the right route 24/7 |
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| Home Drive | Chauffeur service if you’ve had more to drink than the legal limit |
| Road side emergency services 24/7 | Mechanical and Electrical breakdown Jump-start service Assistance when keys are locked inside the vehicle Changing tyres on roadside and non-roadside locations If you run out of fuel, 10l of fuel is supplied |
| Emergency Household Repairs 24/7 (within 2 hours) |
Plumbing Electrical Locksmith Glaziers |
| Legal Advice Our experienced attorneys can provide expert legal advice |
Free telephonic advice and standard documentation 1st 30 miuntes of direct consultations are free |
Executive product
| You’ve earned your success. That’s why Santam designed the Executive insurance solution – a bespoke product offering personalised premiums, higher cover limits and extensive cover to meet your unique needs as an affluent individual. All backed by a unique and differentiated experience of having a dedicated team of world-class claims and service consultants to support you. |
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| From luxury homes, watercraft and cars to jewelry and fine art, we designed this product to complement your unique lifestyle. |
| Building and contents cover A range of covers with high limits for buildings and contents. Cover for power surges, up to the insured amount. Cover for contents on an asset all-risk basis and flexible worldwide cover against loss or damage, up to 30% of the Contents insured amount. Cover for accidental damage to buildings, up to the building’s insured amount, and for accidental damage to fixed machinery, up to R100 000. Private collections cover, with certain limits and exclusions. |
| Vehicle cover A range of covers with high limits Group F vehicle hire for 30 days Optional cover for: Accidental damage to tyres or rims Classic cars A credit shortfall |
| Optional cover All-risk unspecified cover for items such as jewelry Legal costs and legal expenses Personal accident |