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Get cheap car insurance with Santam.

This is cheap car insurance, which is tailor-made for anyone who wants car cover for cars that are generally old, have little value, are paid off, or if the car is not driven very often. It is also perfect for those who cannot afford comprehensive car insurance.

3rd Party cover

3rd party cover will also help in the instance that you are at fault for an accident and there is little you have to pay as your car insurance with Santam will cover it. If the incident is not your fault, you may then claim against the other party.

All this will be added to your insurance premium should you choose to add the selected benefits for your best car insurance in South Africa. Unfortunately, the maintenance of your vehicle including servicing and depreciation or wear and tear on things such as tyres are not included in what your car insurance covers, that is solely your duty and at your personal expense.

In the case of a write-off or a stolen vehicle, you will be able to claim up to the amount your car was insured for. This means if the amount is less than the market value of your car, in the instance where it is irreparable, getting a new vehicle means that said vehicle will be cheaper than the one you currently own. With Santam however, they have introduced that your comprehensive car insurance covers your vehicle for the absolute amount so that you do not miss out on any money that needs to be claimed.

Santam Car insurance made cheap

During the current pandemic, Covid-19, Santam’s research has been able to show that fewer and fewer people are driving more than ever, most people now work from home and this means less risk. But not all car insurance will cover you based on how little you drive. Santam has a cheap alternative that will allow you to pay up to 20% less on your car insurance premiums. It’s called SmartPark. SmartPark works within mileage bands, all you have to do is show Santam your current odometer reading and how much you are projected to drive each year.

The mileage bands are:

• 0 - 5000km
• 5001 - 10 000km
• 10 001 - 15 000km

How to claim with Santam

Submitting a claim with Santam can be done online where it is registered and handled by a trained claims handler. Or you can contact Santam on their emergency hotline, which is made free to any Santam customer, and no matter the time of day they will guide you through the processes needed to successfully submit a claim.

Documents are always required for a claim, these documents will vary from a standard motor collision, 3rd party claims, and a stolen vehicle.

Documents often required are:

• Case Number (provided when filing for a case at the SAPS)
• Drivers license
• 3rd party details
• Public Driving Permit
• VIN number (vehicle chassis number)
• Vehicle engine number