Santam Insurance is part of the Sanlam Insurance company and offers a full range of short-term insurance policies from 'all risks' to homeowners, home content and vehicle insurance.
Vehicle insuranceThe vehicle insurance offers comprehensive insurance, limited insurance(fire and theft) and 'theft exluded' insurance.
Santam warn that the most your insurer will pay out is the value for which your vehicle is insured, or the reasonable market value of your vehicle, whichever is LESS.
It advises you check the current value or your vehicle at least once a year with your insurer or broker to avoid paying a premium that is greater than needed.
Over-insurance does not lead to payouts above the current value of your vehicle. Instead it leads to money wasted on excessive premiums.
Homeowners insuranceIn respect of homeowners insurance, Santam warn that your house or building must be insured for its replacement or rebuilding value, not its market value. Failure to do so can lead to your being unable to replace or repair the damaged building.
Santam House Contents InsuranceIf you have house contents insurance with Santam, you can enjoy full cover for contents inside, and limited cover for contents, outside your building, and the personal effects of guests and domestic employees.
House contents insurance also covers money, contents of refrigerators and freezers, mirrors and certain glass, storage costs for contents after damage, rent, fire brigade charges, medical expenses not otherwise covered.
It also covers compensation for your or your spouse's death, trauma treatment, veterinary expenses and guards to safeguard your home after the occurrence of an insured peril. Your policy wording will include the details. Please refer to your policy wording for the details.
All risks insuranceSantam all risks insurance covers you for the loss, theft or damage to items you normally carry with you outside your home. The limit (amount) of your cover is stated in your policy schedule.
Basic options for all risks cover are: clothing and personal effects; personal documents, coin or stamp collections; transport of groceries and household goods; keys, locks and remote control units; wheelchairs; bicycles; cellular telephones; television sets, video recorders, decoders, video cameras; computer equipment and items in a bank vault.
If you choose the option clothing and personal effects, Santam provides cover for loss or damage to clothing, spectacles, contact lenses, hearing aids, cosmetics in their cases, jewels and jewelry, watches, furs, umbrellas, handbags, electronic diaries, binoculars, fire arms, sports equipment, portable photographic equipment, etc. Tel: 0860 72 68 26
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