House Contents
It is easy to underestimate the value of your home contents. Sadly, this can be an expensive oversight should something ever go wrong. We are here to help you make sure your home contents cover is sufficient.
Cover can be extended to include accidental damage with mechanical and electrical breakdown.
Watercraft insurance
Make the most of your water experiences knowing that your watercraft is sufficiently insured for any eventuality.
We offer comprehensive insurance for most types of watercraft, including onboard motors, machinery, equipment and standard fittings, such as the hull and accessories which are normally included when purchasing a watercraft.
Our watercraft insurance covers the following, at no additional cost:
- Reasonable costs incurred towards stowage, safekeeping, moving or transporting of the watercraft after loss or damage
Salvaging costs incurred for recovery of the watercraft, with written consent from Santam - Reasonable cost incurred towards returning watercraft to normal stowage after repairs, following due authorization
Emergency accommodation for maximum two nights for you and one passenger in the event that a journey cannot be completed - Trauma treatment by a registered professional counselor following the hijacking of the watercraft
Emergency payments which you are liable for to any public authority due to loss or damage to the watercraft
Emergency repairs following loss – up to R5 000
all risk
Cover here is provided for items that are taken away from the insured’s premises and should these items be accidentally lost, stolen or damaged.
Items such as cameras, cellphones, laptops, jewellery, bicycles or any other similar items must be specified.
Vehicle Insurance
There are 4 ways to insure your vehicle:
1. Comprehensive
If you have this option, we cover accidental loss of or damage vehicle. (damage to the vehicle) If we decide that it is not economical to repair the vehicle, our compensation will be as shown in the Schedule. Cover includes amounts for which you are legally liable to a third party if the liability relates to the vehicle.
2. Comprehensive, excluding theft and hijack
If you have this option we cover accidental loss of or damage to the vehicle. Cover excludes loss or damage, caused by theft or hijack or any attempt at theft or hijack. Cover includes amounts for which you are legally liable to a third party if the liability relates to the vehicle.
3. Limited (Fire, theft and hijack)
If you have this option, we cover accidental loss of or damage to the vehicle only if the loss or damage is caused by fire, lighting, explosion, theft or hijack or any attempted theft or hijack. Cover includes amounts for which you are legally liable to a third party if the liability relates to the vehicle.
4. Third Party only
If you have this option, we cover amounts for which you are legally liable to a third party if the liability relates to the vehicle.
building
Every day, your house is exposed to many potential risks. We want to help you make sure your home is sufficiently protected against the most unusual and unexpected events.
Additional building insurance cover
At an additional monthly premium you can extend your building insurance to cover fixed machinery against accidental damage. These include fixed installations relating to swimming pools, spa baths and garage doors.
Liabilities
Liabilities that are available include personal legal liability which covers for any accidental death or physical injury or illness of a person and/or any legal costs occuring from a valid claim.