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Altara

Products

For Me

1. Car Insurance
2. Home contents insurance
3. Building insurance
4. All Risk insurance
5. Watercraft insurance
6. Drone insurance
7. Travel insurance
8. Personal legal insurance

1. Motor insurance
If something happens to your company’s vehicles, would it affect your business? Whether your business owns one vehicle or a fleet, a delivery bike, or heavy commercial vehicles; the right insurance cover will minimise disruption to your business if something goes wrong. At Santam, we take the time to understand the specific risks that your business faces, and we offer comprehensive insurance for all types of vehicles, from cars to bakkies, buses to trucks, trailers, caravans and motorbikes. If it has wheels and it’s self-propelled, we’ll insure it, no matter the size of your business.

2. Property insurance
Whether you own or rent a property, your business premises is the heart of your business. Our comprehensive range of cover solutions offers protection against damages to your business’s physical assets, as well as for losses arising from an incident causing an interruption to your business operations.

3. Small business insurance
The SmartSME product is designed for a small business with buildings and/or contents with a combined value of less than R5 million and a maximum of 5 vehicles. Santam SmartSME is tailored to your needs, easy to understand, easy to buy, affordable and has extra benefits to support your business.

4. Liability cover
Protect the business you’ve spent time and effort building against a wide range of liabilities. Our specialist liability cover options protect your business against legal liabilities for property damage or bodily injuries to third parties arising out of your business activities, with the option to extend cover to include legal liability for products supplied and defective workmanship. Specialist covers can be obtained via SHA and/or Mirabilis . Additional contingency cover can be arranged for employee injury during their employment, and more.

1. Insurance for guesthouses
We offer standard business solutions and industry-specific cover for guesthouses, B&Bs, timeshare and more. Helping to keep your doors open.

2. Insurance for the tourism industry
B&B’s, hotels, game farms, golf estates & clubs, restaurants, including franchises, and more

3. Real Estate
Get insurance for your residential and commercial real estate against fire, theft, and more, with Santam, South Africa’s trusted insurer.

4. Educational institutions
As an educational institution in South Africa, you need insurance that protects you against the risks that are unique to the educational sector.

5. Religious institutions
Churches, non-profit organisations, and religious institutions in South Africa need insurance they can trust. Get protected with Santam insurance.

6. Cyber security
Do you need cyber security for your business? Get insurance against cyber threats and cybercrime for your business, with Santam Insurance.

1. 24hr roadside assist
Our Roadside Assist is an optional value-added service available at an affordable cost per month per vehicle.

2. 24hr emergency medical assist
Get free medical assistance with your policy.

3. Legal advice
Get free legal advice with your policy.

4. Santam business assist
Santam Business assist is available at an affordable cost per month.

1. 24hr emergency services
Our 24/7 emergency services include roadside assistance, chauffeur services, household repairs and much more. Call 0860 505 911.
https://www.santam.co.za/claims/sos-services/

2. Online calculators
You can avoid being caught short by using our online risk calculators to determine the correct value of your home and its contents.
https://www.santam.co.za/blog/risk-calculators

3. SmartPark™
Save up to 20% on your car insurance premium if you drive less than 15 000km a year with SmartPark™. Everyone’s travel habits are different. Some people drive long distances every day, while others drive one km to their local grocery store only a few times a week. To us, it simply makes sense that people who hardly ever use their car should benefit from their low-risk profile. That’s why we introduced SmartPark™. If you spend less time on the road, you can spend less on your premium.

Notices

Santam Travel Insurance corporate - June 2026

On Saturday, 28 February 2026, a conflict involving the United States of America, Israel, and Iran erupted. This has resulted in significant travel disruptions across parts of the Middle East, with airport closures and flight interruptions affecting many South African travellers.

As the situation remains fluid and may change at short notice, we strongly encourage all policyholders and travel agents to check directly with airlines and official aviation authorities

Santam Travel Insurance Policy Information

Clarification on your Santam Travel Insurance policy responds in these circumstances:

1. What Is Covered:
You are covered for Emergency Medical and Related Expenses if you are injured as an innocent bystander (not actively participating) as a result of war.

2. What Is Not Covered:
Trip Cancellations and/or Trip Disruptions due to war are excluded under the following policy exclusion:
War, invasion, acts of foreign enemies, hostilities, or war-like operations (whether declared or not), civil war, mutiny, military rising, usurped power, martial law, state of siege, insurrection, rebellion, or revolution.

Policy Changes and Amendments

For travellers who need to postpone, or extend their trips, we encourage you or your travel agent to contact us regarding administrative policy date changes. Our team will be on standby from Monday morning to assist promptly with any permissible amendments. Please submit your request to helpdesk.travelinsurance@santam.co.za

If you have any questions, require assistance, or need support with policy amendments, please do not hesitate to contact the Santam Travel Insurance team. We will continue to monitor developments closely and share relevant updates as more information becomes available.

CRITICAL NOTICE FOR BROKERS AND AGRICULTURAL CLIENTS

Harvest season brings a heightened fire risk, and recent fire claims involving combine harvesters have revealed a troubling trend. Most incidents occurred while harvesting oilseeds, with fires typically igniting late in the day. Although machines had been cleaned prior to use, crop residue and fine dust were common ignition sources. Oil-rich crops such as sunflowers, canola, and soya significantly increase flammability.


WHY ARE FIRES STILL HAPPENING?

Despite proper maintenance, fires have been triggered by straw and dust buildup in hot zones. Heat and friction during extended operation can ignite debris, and small undetected fires may spread to fields. Highly flammable crop material accelerates the spread of fire.


REAL-WORLD INCIDENTS

In one case, a foreman spotted smoke from a distance and acted quickly by alerting the unsuspecting driver of the fire. His response, along with an onboard extinguisher, contained the fire. In another instance, a farmer’s bakkie-sakkie unit on standby prevented a total loss. Several drivers were unaware of fires starting behind or beneath them due to limited visibility from the cab.


RECOMMENDED FIRE PREVENTION MEASURES
  • Schedule midday cleaning and inspection to avoid relying on a single daily clean.
  • Implement a fire watch strategy, with a second person monitoring equipment and fields from a lookout point, especially in the late afternoon.
  • Equip machines with serviced fire extinguishers, and ensure operators are trained in their proper use.
  • Have a standby firefighting unit (bakkie-sakkie), especially in remote areas where emergency response may be delayed.
  • Train drivers to recognise early signs of fire, such as burning smells, smoke trails, and heat spikes.
  • Treat crops like sunflower, canola, and soya with extra caution due to their high oil content.

STAY AHEAD OF THE FLAME

Harvest time is short, but safety must never be rushed. At Santam, we prioritise the safety and well-being of farmers beyond merely protecting their assets and yields — it’s about helping them avoid losses and ensuring peace of mind.

This is more than just insurance.

Ready to protect what matters most?

Whether you need cover for your home, business, or specialist risks, our team is here to help with tailored insurance solutions and expert advice you can trust.