Personal insurance for you and your family

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Personal lines insurance covers individuals against loss resulting from death, injury, or loss of property.

Personal lines insurance makes it possible to do things such as driving a car and owning a home without risking financial ruin.

Coverage generally depends on how much an individual is willing to pay in premiums.

In some situations, individuals may not be able to purchase insurance because they pose too great a risk to the insurance company.

Examples of personal lines insurance include homeowners insurance, earthquake insurance, renters insurance, car insurance, life insurance, health insurance, and disability insurance.

Commercial Insurance for your and your business

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Many business insurance policies include basic coverages such as property, liability, crime and commercial auto insurance, as well as other optional insurance, such as business interruption insurance, equipment breakdown insurance, and workers compensation.

Commercial businesses are also able to insure stock and equipment from theft, vandalism and damage.



Santam is the leading general insurer in South Africa with a market share of more than 22%. We provide a diverse range of general insurance products and services in southern Africa and internationally through a network of 2 700 intermediaries and direct channels. We serve more than 1 million policyholders who range from individuals to commercial and specialist business owners and institutions.

X'S Sure
Constantia Insurance
Old Mutual Insure
Bryte Insurance
Old Mutual Elite
Hollard Timeless

Advanced Household
or Business Assist

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There is a package of benefits specifically aimed at taking away the difficulties experienced in and around the house / office.

These include:

  • Electrical
  • Motors
  • Plumbing
  • Appliances
  • Locksmiths
  • Electronics
  • Relocation
  • Other


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Legal advice and assistance from qualified attorneys on any legal matter.


  • Telephonic legal advice.
  • Two (30 minute), consultations with a qualified attorney, at no cost to our client.
  • Pro forma agreements which can be obtained in standard form by phoning our contact centre, for example domestic worker agreements, standard lease agreements, standard purchase and sell agreements and standard credit agreements.

Safe 'n

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An average of 18 000 people are killed on our roads each year whilst another 150 000 are injured. More than 50% of these involve alcohol. People are becoming more aware of the fact that driving under the influence of alcohol is dangerous. If you are aware of a function or event where after you may need alternative transport home, you can pre-book to be assisted home Safe ‘n Sound.