SS
SANTAM STRUCTURED INSURANCE LIMITED
Claimed Business
SS
SANTAM STRUCTURED INSURANCE LIMITED
Claimed Business
8 Reviews (last 12 months)
Does not respond to reviews
Performance(last 12 months):
0Trustindex Rating
#49Ranked In Insurance
1h 37mReply Time
-100 NPSUnlikely
Replied to 17% of negative reviews
Reply time on negative reviews: 1 hour 37 min
TrustIndex
0
Ranking
#49
in Insurance
Avg Reply
1h 37m
NPS Score
-100
Recommended: Unlikely
Replied to 17% of negative reviews
Reply time on negative reviews: 1 hour 37 min
Review Distribution
1.8|8 Reviews
Jun '25 - May '26
5(0%)
4(25%)
3(0%)
2(0%)
1(75%)
5(0%)
4(25%)
3(0%)
2(0%)
1(75%)
Frequently Asked Questions About SANTAM STRUCTURED INSURANCE LIMITED
SANTAM STRUCTURED INSURANCE LIMITED has a TrustIndex of 0 out of 10 on Hellopeter, based on 8 reviews in the last 12 months. They reply to 17% of negative reviews, typically within 1 hour 37 min. Hellopeter has tracked SANTAM STRUCTURED INSURANCE LIMITED across 59 total reviews. How is the TrustIndex calculated? →
Recent reviews (8)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperienceKT
Khumo T
1 reviews | Active since Jan 2020
17 Mar 2026, 16:36
Bul**** and unfairly treated by the insurance as a third-party liability claim
I have submitted several complaints against the insurance and they posted that they will be in touch with me since last year November, till to date my car has not been fixed
Helpful (0)
|Replies (0)KT
Khumo T
1 reviews | Active since Jan 2020
17 Mar 2026, 16:36
Bul**** and unfairly treated by the insurance as a third-party liability claim
I have submitted several complaints against the insurance and they posted that they will be in touch with me since last year November, till to date my car has not been fixed
0
Replies (0)TG
DK
DOOLING K
1 reviews | Active since Jan 2020
3 Feb 2026, 09:36
Formal Complaint - Unfair Claim Rejection
I am formally lodging a complaint against Santam Structured Insurance Limited, the underwriter of my policy, regarding the unfair rejection of my claim by Prime South Africa. The premium reversal was a mistake caused by a banking error. On my app it appeared as a double debit, and when I went to the bank they confirmed it was an error correction. On 06.01.2026 we contacted Prime South Africa, explained the situation, and made arrangements for the debit order to go off on 15.01.2026. On that date, I spoke directly to Lungile and Zandile. Prime South Africa failed to debit on the 15th as agreed and made no attempt thereafter. On 19.01.2026, the morning of the accident, I called and spoke to Lesego. I explained that my wife had been in an accident and asked whether the insurance would still assist since the debit order had not gone off on the 15th. Lesego said she would consult her manager Madlynne. After consulting, Lesego called back and confirmed that if I made payment immediately, the insurance would still assist. Shortly after, Simphiwe called to speak to my wife (her phone was off at the time). I asked Simphiwe to provide banking details so I could make payment. He sent them, and I paid immediately. I then spoke to roadside assistance agents Sanke and Zikhona. Later that same morning, around 11am, Simphiwe called again to assist with the claim. Despite all of this, the claim was still declined with the excuse that the premium was “intentionally reversed.” This is false, misleading, and unacceptable. To add insult to injury, I was then told to collect my vehicle by 12.02.2026 and pay R4,000.00 in storage fees. Why should I pay storage when: We called to make arrangements. Prime South Africa failed to debit as agreed. We were instructed to pay in the outstanding premium before the claim could be processed, and we did. The premium was received, yet the claim was still declined. Storage costs are being unfairly pushed onto me due to your own failures. This is blatant negligence and bad faith. As the underwriter, Santam Structured Insurance Limited is ultimately responsible for the integrity of this policy and the fairness of claim decisions. The rejection of my claim is unjustifiable, and the demand for storage fees is outrageous. I will not pay any storage fees. You are required to overturn this decision and honour the claim immediately. Failure to resolve this matter will force me to escalate further through regulatory bodies, the Ombudsman for Short‑Term Insurance, and public platforms.
Helpful (0)
|Replies (0)DK
DOOLING K
1 reviews | Active since Jan 2020
3 Feb 2026, 09:36
Formal Complaint - Unfair Claim Rejection
I am formally lodging a complaint against Santam Structured Insurance Limited, the underwriter of my policy, regarding the unfair rejection of my claim by Prime South Africa. The premium reversal was a mistake caused by a banking error. On my app it appeared as a double debit, and when I went to the bank they confirmed it was an error correction. On 06.01.2026 we contacted Prime South Africa, explained the situation, and made arrangements for the debit order to go off on 15.01.2026. On that date, I spoke directly to Lungile and Zandile. Prime South Africa failed to debit on the 15th as agreed and made no attempt thereafter. On 19.01.2026, the morning of the accident, I called and spoke to Lesego. I explained that my wife had been in an accident and asked whether the insurance would still assist since the debit order had not gone off on the 15th. Lesego said she would consult her manager Madlynne. After consulting, Lesego called back and confirmed that if I made payment immediately, the insurance would still assist. Shortly after, Simphiwe called to speak to my wife (her phone was off at the time). I asked Simphiwe to provide banking details so I could make payment. He sent them, and I paid immediately. I then spoke to roadside assistance agents Sanke and Zikhona. Later that same morning, around 11am, Simphiwe called again to assist with the claim. Despite all of this, the claim was still declined with the excuse that the premium was “intentionally reversed.” This is false, misleading, and unacceptable. To add insult to injury, I was then told to collect my vehicle by 12.02.2026 and pay R4,000.00 in storage fees. Why should I pay storage when: We called to make arrangements. Prime South Africa failed to debit as agreed. We were instructed to pay in the outstanding premium before the claim could be processed, and we did. The premium was received, yet the claim was still declined. Storage costs are being unfairly pushed onto me due to your own failures. This is blatant negligence and bad faith. As the underwriter, Santam Structured Insurance Limited is ultimately responsible for the integrity of this policy and the fairness of claim decisions. The rejection of my claim is unjustifiable, and the demand for storage fees is outrageous. I will not pay any storage fees. You are required to overturn this decision and honour the claim immediately. Failure to resolve this matter will force me to escalate further through regulatory bodies, the Ombudsman for Short‑Term Insurance, and public platforms.
0
Replies (0)CS
Chantal S
1 reviews | Active since Jan 2020
31 Jan 2026, 11:21
Complaint escalation
I received a reply on helo peter from Santum. They said they will get back to me and still have not received a response. From them or the person that I was told will be handling my claim Miriam.
Helpful (0)
|Replies (0)kM
kgomotso M
1 reviews | Active since Jan 2020
13 Nov 2025, 11:57
UNPROFESSIONALISM, TERRIBLE and PATHETIC service
I wonder what kind of *******ION is happening there at Santam switch I have never seen such UNPROFESSIONALISM, TERRIBLE and PATHETIC service like Santam switch…! This is the kind of shady behaviour you expect from fly-by-night operations, Beware—if they can do this to me, they can do it to anyone! Your processes are broken and accountability is zero. The assessor/technician was rude, dismissive, and changed their version of events several times, creating confusion and frustration. His inconsistent statements have made it difficult to trust the accuracy and fairness of the assessment outcome. Assessor/ technician said that my phone was in working condition and had the audacity to say I charge my with a **** charger, now the statement changed and claimed that the phone is now damaged due to wear and tear. I find this sudden change in explanation very concerning and quite BIZARRE…!, as it raises doubts about the accuracy and reliability of the assessment process. I believe that as a client, I deserve to be treated with respect, honesty, and professionalism, in line with your company’s service standards and code of conduct. The assessor’s / technician's behaviour has not only caused unnecessary stress but has also damaged my confidence in how my claim is being handled.
Helpful (0)
|Replies (0)kM
kgomotso M
1 reviews | Active since Jan 2020
13 Nov 2025, 11:57
UNPROFESSIONALISM, TERRIBLE and PATHETIC service
I wonder what kind of *******ION is happening there at Santam switch I have never seen such UNPROFESSIONALISM, TERRIBLE and PATHETIC service like Santam switch…! This is the kind of shady behaviour you expect from fly-by-night operations, Beware—if they can do this to me, they can do it to anyone! Your processes are broken and accountability is zero. The assessor/technician was rude, dismissive, and changed their version of events several times, creating confusion and frustration. His inconsistent statements have made it difficult to trust the accuracy and fairness of the assessment outcome. Assessor/ technician said that my phone was in working condition and had the audacity to say I charge my with a **** charger, now the statement changed and claimed that the phone is now damaged due to wear and tear. I find this sudden change in explanation very concerning and quite BIZARRE…!, as it raises doubts about the accuracy and reliability of the assessment process. I believe that as a client, I deserve to be treated with respect, honesty, and professionalism, in line with your company’s service standards and code of conduct. The assessor’s / technician's behaviour has not only caused unnecessary stress but has also damaged my confidence in how my claim is being handled.
0
Replies (0)MM
Mbali M
1 reviews | Active since Jan 2020
18 Jul 2025, 06:56
Waiting From March to get my car fixed
I was hit by a Santam client on 4 March 2025. Her broker is PSG. On the 27th March all documents, were sent to PSG to process. On the 11th April, I enquired and called PSG with no response. 20th May, I called in and only then my documents were forwarded to Santam. MArvel Mudau from Santam was sent the documents that he requested for on the 9th June 2025. I followed up on the 18th of June, the claim was only assigned to Aggrey on the 23rd of June 2025. Almost a month later today, Aggrey says it is 60 working days This is an inconvenience. I didn't cause the accident. Now I have to sit with a damaged car while you client is not affected. I have to run after you with the admin of fixing my car. I am not waiting for 60 working days. I will escalate this to the ombudsman
Helpful (0)
|Replies (0)MM
Mbali M
1 reviews | Active since Jan 2020
18 Jul 2025, 06:56
Waiting From March to get my car fixed
I was hit by a Santam client on 4 March 2025. Her broker is PSG. On the 27th March all documents, were sent to PSG to process. On the 11th April, I enquired and called PSG with no response. 20th May, I called in and only then my documents were forwarded to Santam. MArvel Mudau from Santam was sent the documents that he requested for on the 9th June 2025. I followed up on the 18th of June, the claim was only assigned to Aggrey on the 23rd of June 2025. Almost a month later today, Aggrey says it is 60 working days This is an inconvenience. I didn't cause the accident. Now I have to sit with a damaged car while you client is not affected. I have to run after you with the admin of fixing my car. I am not waiting for 60 working days. I will escalate this to the ombudsman
0
Replies (0)J
Jerry
1 reviews | Active since Jan 2020
1 Jun 2025, 15:20
Reaching out to the Recovery Team on My Bio was the best decision I made
Reaching out to the Recovery Team on My Bio was the best decision I made. They approached my case with care, asked the right questions, and remained transparent throughout. With their help, I was able to recover both my Investment and profits. I confidently recommend their services. Her email is Harrylucy 9 7 7 (at) Gmail . Com what s app + 4 - 4 - 7 - 3 - 8 - 8 - 6 - 9 - 7 9 - 5 - 8
Helpful (0)
|Replies (0)J
Jerry
1 reviews | Active since Jan 2020
1 Jun 2025, 15:20
Reaching out to the Recovery Team on My Bio was the best decision I made
Reaching out to the Recovery Team on My Bio was the best decision I made. They approached my case with care, asked the right questions, and remained transparent throughout. With their help, I was able to recover both my Investment and profits. I confidently recommend their services. Her email is Harrylucy 9 7 7 (at) Gmail . Com what s app + 4 - 4 - 7 - 3 - 8 - 8 - 6 - 9 - 7 9 - 5 - 8
0
Replies (0)C
Cyrus
1 reviews | Active since Jan 2020
1 Jun 2025, 02:13
Reaching out to the Recovery Team on My Bio was the best decision I made
Reaching out to the Recovery Team on My Bio was the best decision I made. They approached my case with care, asked the right questions, and remained transparent throughout. With their help, I was able to recover both my funds and profits. I confidently recommend their services. Her email is Harrylucy 9 7 7 (at) Gmail . Com what s app + 4 - 4 - 7 - 3 - 8 - 8 - 6 - 9 - 7 9 - 5 - 8
Helpful (0)
|Replies (0)C
Cyrus
1 reviews | Active since Jan 2020
1 Jun 2025, 02:13
Reaching out to the Recovery Team on My Bio was the best decision I made
Reaching out to the Recovery Team on My Bio was the best decision I made. They approached my case with care, asked the right questions, and remained transparent throughout. With their help, I was able to recover both my funds and profits. I confidently recommend their services. Her email is Harrylucy 9 7 7 (at) Gmail . Com what s app + 4 - 4 - 7 - 3 - 8 - 8 - 6 - 9 - 7 9 - 5 - 8
0
Replies (0)