General Insurance

Protect your personal belongings.

Your car and household possessions play an important role in your daily life. If you need to replace any of your belongings because of loss, theft or damage, the right insurance can give you peace of mind that you can do so timely and properly. Limit your financial burden when things go wrong.

Motor Insurance

Sanlam offers a range of products on comprehensive private motor insurance with optional benefits and insurance limits encompassed in three optional products; i.e. Sanlam Gold, Sanlam Silver and Sanlam Bronze.

The insurance will cover the vehicles for loss or damage (including riot and strikes) and third party liabilities anywhere in East Africa with the following benefits:

  • Saham/Sanlam Assistance Membership,
  • Personal accident insurance,
  • 24 hour road rescue,
  • Emergency medical expenses and many more.

  • Own Goods - This covers motor commercial vehicles against accidental damage, fire, theft, and third party liability, and there is extension of passenger covers while in the cabin of the vehicle.
  • Tractors - The cover protects tractors against accidental damage, fire, theft and third party liability when it is on its own wheel. The cover is taken for tractors used in agriculture and any other use.
  • Trade (Road Risks Only) - The cover is taken by motor traders/garages to protect them against road risks during the testing and movement of the vehicle on its on wheel from the dealer to the customer or the body builders. The value is provided per IT plate.
  • PSV - This covers passenger service vehicles and offers protection against accidental damage, fire, theft, third party liability and passenger liability. The vehicle must be fully compliant with the RURA PSV rules.
  • PSV Car Hire - The cover is given for vehicles used for private hire which are chauffeur driven.
  • General Cartage (Carriers Liability) Motor Insurance is insurance for commercial motor vehicles used for hire and reward. It covers risks of losses and damages to commercial vehicles while being used to transport third party goods. This policy is suitable for:
    • Larger trucks
    • Trailers
    • Tankers
    • Water bowers

The cover will include third party risks as required by the law.

This cover is taken to cover motorcycles against accidental damage, fire and theft. Cover also extends to cover third party liability as provided under the Traffic Act.

motorinsurance%%/wp-content/uploads/2019/09/car_icon.png%%Motor Insurance%%

Individual Property Insurance

This covers theft of insured property by any person or persons using violent and forcible means of entry into or exit from the premises where such property is kept, without permission from the owner, person or persons to whom such property is legally entrusted or keeping on behalf. This section extends to cover the insured against losses occurring without forcible or violent entry or exit from the insured premises.

Provides cover against accidental physical loss or damage to specified items as a result of any cause which is not specifically excluded from the policy. This includes theft, fire and accidental damage including riot and strike. It is important that the insured lists the items covered and their respective values/sum insured.

individualpropertyinsurance%%/wp-content/uploads/2019/09/home_icon.png%%Property Insurance%%

Travel Insurance

Sanlam covers emergency medical expenses, follow up treatment, journey cancellation, travel delay, loss of luggage, personal liability, and personal accident amongst others. Travel Insurance is a special type of cover that you can take out before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip.

Sanlam gives you the option of taking up Travel Insurance;

  • on reimbursement, and
  • on assistance basis.

Sanlam offers Medical Insurance of up to Euro 30 000 and Personal Accident Cover of up to Euro 30 000. Additional benefits include support for medical evacuation, loss of luggage, personal liability, hijack, repatriation and many more.

This cover is ideal for travelling directors and senior employees and can be taken either per trip or annual covers for those who travel often.

travelinsurance%%/wp-content/uploads/2019/11/travel_sample.png%%Travel Insurance%%

Let us call you back

Related Products

Life Insurance
Life Insurance

Sanlam Life Insurance offers assurance that your family and dependants are financially secure no matter what.

Education Plan
Education Plan

We can help you start saving for your child’s university or college fees to ensure a prosperous future.


Every little bit you save towards retirement will help you to reach your goal.