← All comparisons
Provider comparison · Updated May 2026
Santam vs Pineapple
How Santam and Pineapple compare on price, claims, products and rewards across the South African market.
Santam edges Pineapple on customer rating.
| Feature | Santam | Pineapple |
|---|---|---|
| Customer rating | ★ 4.6 | ★ 4.5 |
| Average premium | R790/pm | R540/pm |
| Claims turnaround | 72h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Comprehensive Plus | Peer-to-peer Car |
| Product range | Personal Lines, Commercial, Agriculture, Specialist | Car, Contents, Single Items |
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
Pineapple
Peer-to-peer car insurance
Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.
Strengths
- P2P model returns unused premium
- Modern app
- Photo-based onboarding
Trade-offs
- Mostly car & contents
- Limited cover for high-value risks
Other popular comparisons
Discovery Insure vs OUTsuranceDiscovery Insure vs King PriceDiscovery Insure vs SantamDiscovery Insure vs MiWayDiscovery Insure vs MomentumOUTsurance vs King PriceOUTsurance vs SantamOUTsurance vs MiWayOUTsurance vs MomentumKing Price vs Santam