South African insurance companies with the simplest claims process


Usually when you claim you want it to be sorted out as quickly as possible; here are insurance companies who can do that. 

  • Santam  

Consumers and intermediaries voted Santam the most reliable personal insurer when it comes to paying claims. Santam insurance has four quick and easy ways in which you can submit a claim at your pace. 

These include: 

With a few clicks  

Claiming online on the Santam client site allowing you to claim at anytime, anywhere, giving you access to your entire insurance portfolio so you can do things such as tracking open claims, viewing your claims history, requesting policy changes and more. 

Taps of the finger 

When you use the Santam app to report incidents, take photos of an accident scene, capture the details of witnesses and other drivers, and send it to Santam to start your claim. With the Santam Incident Reporter, you can record audio statements, directly upload incident photos, and even call the police. If you’ve already submitted a claim, you can also track its progress on the app wherever you are. 

Or speak to a real human being 

Like one of Santam’s brokers or through Santam’s 24/7 SOS and claims line call any time of the day or night to register your claim. Santam will also send authorised support services to assist if necessary like if you’re stuck on the side of the road. 

  • OUTsurance 

Is the first insurance company in South Africa to create an incentive system such as the OUTbonus where clients receive 10% of their paid premiums back in cash simply by not claiming.  

  • MiWay  

Claim from your phone through MiWay motor insurance app. Customers who use the App to log a motor vehicle accident claim, receive a R1 000 reduction in their applicable excess. Users can request roadside assistance to their exact location and instantly notifying up to three contacts that they need assistance.  

Through the Accident Scene feature on the app, the accident Scene Logger take photos, capture witness details and saves the information you might need later on your phone. The Accident Scene feature is freely available to both MiWay clients and non-clients alike and can be downloaded from the Google Play or App store.


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