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Provider comparison · Updated May 2026
Santam vs Old Mutual Insure
How Santam and Old Mutual Insure compare on price, claims, products and rewards across the South African market.
Santam edges Old Mutual Insure on customer rating.
| Feature | Santam | Old Mutual Insure |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.3 |
| Average premium | R790/pm | R750/pm |
| Claims turnaround | 72h | 72h |
| Pricing tier | Premium | Premium |
| Flagship product | Comprehensive Plus | Elite Plus |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Personal Lines, Commercial, Agriculture, Specialist |
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 Insure
Formerly Mutual & Federal
Old Mutual Insure (formerly Mutual & Federal) is one of South Africa's oldest short-term insurers, serving personal, commercial and agricultural markets.
Strengths
- 150+ year heritage
- Strong commercial book
- Wide broker network
Trade-offs
- Broker-led distribution
- Premium pricing tier
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