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Provider comparison · Updated May 2026
Santam vs Auto & General
How Santam and Auto & General compare on price, claims, products and rewards across the South African market.
Santam edges Auto & General on customer rating.
| Feature | Santam | Auto & General |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.3 |
| Average premium | R790/pm | R650/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Comprehensive Car |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Home, Life, Business |
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
Auto & General
Sense, not nonsense
Auto & General is a Telesure-group direct insurer offering personal and commercial short-term cover across South Africa since 1985.
Strengths
- Established Telesure brand
- Flexible excess options
- Strong call-centre
Trade-offs
- Limited rewards programme
- Mid-tier digital tooling
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