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Provider comparison · Updated May 2026
Santam vs FNB Insurance
How Santam and FNB Insurance compare on price, claims, products and rewards across the South African market.
Santam edges FNB Insurance on customer rating.
| Feature | Santam | FNB Insurance |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.3 |
| Average premium | R790/pm | R660/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Smart Car Insurance |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Home, Life, Funeral |
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
FNB Insurance
Bank-linked short-term cover
FNB Insurance offers short-term and life cover bundled with FNB banking, with eBucks rewards and in-app policy management.
Strengths
- eBucks rewards
- Seamless banking integration
- Easy app management
Trade-offs
- FNB customers only for best rates
- Underwritten by partner insurers
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