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Provider comparison · Updated May 2026
Santam vs Momentum Insure
How Santam and Momentum Insure compare on price, claims, products and rewards across the South African market.
Santam edges Momentum Insure on customer rating.
| Feature | Santam | Momentum Insure |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.3 |
| Average premium | R790/pm | R670/pm |
| Claims turnaround | 72h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Safety Bonus |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Home, All-risks, 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
Momentum Insure
Safer driving, lower premiums
Momentum Insure (formerly Alexander Forbes Insurance) is the short-term arm of Momentum Metropolitan, focused on telematics-driven personal lines.
Strengths
- Safety Bonus cash-back
- Multiply rewards integration
- Telematics-based pricing
Trade-offs
- Smaller short-term footprint
- Best value tied to Multiply
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