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Provider comparison · Updated May 2026
Santam vs Old Mutual
How Santam and Old Mutual compare on price, claims, products and rewards across the South African market.
Santam edges Old Mutual on customer rating.
| Feature | Santam | Old Mutual |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.3 |
| Average premium | R790/pm | — |
| Claims turnaround | 72h | 96h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Greenlight Life |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Funeral, Life, Investments, Short-term |
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
Old Mutual
Africa's oldest financial brand
Founded in 1845, Old Mutual is a pan-African financial services group with deep roots in life, funeral and savings products.
Strengths
- Trusted 175-year brand
- Wide product range
- Funeral & life leader
Trade-offs
- Slower digital tooling
- Traditional broker channel
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