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Provider comparison · Updated May 2026
Santam vs Lombard Insurance
How Santam and Lombard Insurance compare on price, claims, products and rewards across the South African market.
Santam edges Lombard Insurance on customer rating.
| Feature | Santam | Lombard Insurance |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.2 |
| Average premium | R790/pm | R850/pm |
| Claims turnaround | 72h | 72h |
| Pricing tier | Premium | Premium |
| Flagship product | Comprehensive Plus | Bond & Guarantees |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Surety Bonds, Engineering, Liability, Commercial |
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
Lombard Insurance
Specialist surety & niche cover
Lombard Insurance is a South African specialist insurer best known for surety bonds, guarantees and niche commercial lines.
Strengths
- Leading surety bond provider
- Specialist underwriting
- Strong commercial relationships
Trade-offs
- Mostly commercial & surety focus
- Limited personal cover
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