Santam Car Insurance has been in the insurance business for over a century and has accomplished a great deal since its humble beginnings as a small insurance company based in a little house. Santam first opened its doors for trade just after the First World War. The war had left the country’s economy in shambles and Santam had no choice but to open its doors to all comers. Since then, they have achieved a lot and are now the largest short-term insurance provider in South Africa having a market share even higher than that of T&A Insurance. In 1974 Santam was the first short-term insurance company to offer South Africans a single comprehensive insurance policy (multi-purpose) covering all of their fixed assets under a single roof. With such amazing success comes incredible responsibility as they need to educate and sensitize the public about the importance of insuring all of their fixed assets from a reputable and reliable insurance provider like Santam.
The main service that Santam offers their customers is Comprehensive and Third Party Insurance. Comprehensive Insurance covers everything from damage due to theft or fire to damage caused by climate conditions. In order to qualify for a comprehensive insurance policy you need to have an age that is not more than 70 years and you also need to be the owner of an immovable asset like a property. The policy will also exclude damage caused by vandalism and malicious mischief.
Santam provides three major short-term insurance policies to its clients. The first one is called the Short Term Comprehensive Insurance which covers a wide range of risks including accidents. This is generally offered at a low premium and it is recommended for those who would only use their vehicle for short distances. The second is the Short Term Casualty Insurance which covers risks such as injury, medical expenses and death sustained in road accidents. The third is the Short Term Business Insurance, which caters specifically to business owners and their employees. Each of these three short term insurance policies has different premiums and a Santam representative can help you choose the best suitable policy for your needs.
In order to protect the value of your assets, it is essential that you have adequate coverage for any damage or loss that may occur. This is where the role of a short-term insurance company becomes important. A good Santam insurance company will be able to offer you complete coverage for any liability or accident-related damage that you may incur. In addition to this, they will also be able to take care of any other damage incurred during emergency repairs.
If you happen to get into a serious accident and are left without any transport facilities you will be faced with huge expenses. Most people consider this expense to be unnecessary but the truth is that if you do not have proper insurance coverage it could turn out to be very expensive. In case of an emergency such as an accident or natural disaster any available resources and money will be lost. A major problem with most South African businesses is that they face financial difficulty at times due to the high level of unemployment. If you are one of those people who have lost their job and are facing the problem of making ends meet and ensuring that there is still some cash left over after paying all the bills then you should consider having emergency cover.
Emergency damage insurance quote is easily obtainable online from various syntax insurance companies. All you need to do is provide basic information about yourself and the vehicle that you own. The company will then process your claim and send you a quote. It is extremely easy and time saving procedure and it is an option that you should consider before heading off to your local insurance agent.