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Provider comparison · Updated May 2026

Hollard vs Santam

How Hollard and Santam compare on price, claims, products and rewards across the South African market.

Santam edges Hollard on customer rating.

FeatureHollardSantam
Customer rating★ 4.4★ 4.6
Average premiumR690/pmR790/pm
Claims turnaround72h72h
Pricing tierMid-rangePremium
Flagship productHollard Highway HeroesComprehensive Plus
Product rangeCar, Home, Business, Life, FuneralPersonal Lines, Commercial, Agriculture, Specialist

Hollard

South Africa's largest privately-owned insurer

Hollard is South Africa's largest privately-owned insurance group, serving personal, commercial and life markets through brokers and direct channels.

Strengths
  • Strong broker network
  • Wide product range
  • Solid commercial offering
Trade-offs
  • Broker-led model
  • Slower digital experience

Santam

South Africa's largest short-term insurer

Santam is South Africa's largest short-term insurer with a 100+ year history, serving personal, commercial and agricultural markets.

Strengths
  • Largest local insurer
  • Extensive broker network
  • Strong commercial offering
Trade-offs
  • Slower digital experience
  • Higher premiums on entry tier