Santam is South Africa’s largest short-term insurer and has been offering short-term insurance products for over a century. The company can be trusted in providing exceptional services since it has vast experience in short-term insurance provision.
Santam‘s car insurance solutions are one of the most popular in South Africa and have well-structured products that serve different needs of car insurance consumers. The car insurance solution comes with benefits attached to it and those that drive less tend to benefit more.
Those who drive less get to benefit by getting their car insurance premiums reduced. However, the reduction is not applicable to everyone that drives less. One needs to drive less than 15 000 km per year to qualify. Driving less than 15 000 km per year can earn you up to 20% savings in premiums payments.
Santam Car insurance is a car insurance solution that covers motor vehicles from damage, theft, and loss. The solution through SmartPark offers premiums to those that show good driving habits and that drive less, with up to a 20% reduction in premiums. Reduction is for those that drive for less than 15000 km per year.
Santam Car insurance has different products available to car owners in South Africa. To qualify for a Santam Car Insurance one has to have a driver’s license. The company offers comprehensive car insurance, third-party only car insurance, and theft and fire car insurance. Santam further offers insurance for 4 x 4 owners and luxury vehicles owners.
Santam has a number of products on offer that includes:
All products that are offered by Santam are discussed below.
Santam Comprehensive car insurance covers more accidents and protects you from third-party liability. The product protects your vehicle from accidental loss or damage.
The comprehensive car insurance from Santam covers the following incidents:
Santam Luxury Vehicles Insurance is a comprehensive car insurance cover for luxury vehicles. The cover offers an extensive cover than the comprehensive car insurance with extra cover amounts on certain covers. The cover is available to anyone that has a registered driver’s license and owns a luxury motor vehicle.
Luxury vehicles Insurance offers the following covers:
Santam 4 x 4 car insurance is a car insurance product that covers 4 x, 4 truck owners, from accidental loss or damage. 4 x 4 car insurance offers an extensive car insurance cover and has more cover benefits than the 3rd party only, comprehensive car insurance, and fire and theft cover. Here are the occurrences that the Santam 4 x 4 car insurance cover:
Santam fire, theft, and hijacking car insurance cover the accidental loss of or damage to your own vehicle. Damage or loss to your own vehicle must have been caused by fire, lightning, an explosion, theft or hijacking, attempted hijacking, and amounts for which you are legally liable to a third party.
The fire, theft, and hijacking insurance covers for the following:
Santam third party only car insurance product covers the policyholder should he/she damage property of the third party with his/her own motor vehicle. The policyholder is covered to the extent that he/she is legally liable for the damage or loss caused by their motor vehicle to the third party property. The third-party only car insurance doesn’t cover any damage or loss to the motor vehicle of the policyholder.
Santam Car Insurance solution has a diverse range of products. People from different walks of life tend to benefit from the company’s product offerings. From local drivers to those that drive across Southern Africa are all catered for. It is important to know what your car insurance product indemnifies you against and to avoid conducting yourself in a way that may jeopardize your insurance claim. This will enable you to make successful claims should something happen to your motor vehicle.