Sasria calculator
The riot and strike premium on your home and car
| Building, R1,500,000 × 0.003630% | R54.45 |
| Contents, R400,000 × 0.003630% (minimum R30) | R30.00 |
| 1 private car × R26.23 flat | R26.23 |
| Sasria premium a year | R110.68 |
What next: Sasria explained: cover and claims · home insurance · motor insurance
Indicative: your insurer adds Sasria to your policy and its schedule shows the amount actually charged (it may group items differently, and minimums apply per item). Sasria is sold only through insurers and brokers, never directly. Businesses, farms and fleets use other rate codes — ask your broker.
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The rates the calculator uses
From Sasria's Updated Rates Schedule effective 1 October 2025:
| Rate code and cover | Annual rate (minimum) | Monthly rate (minimum) |
|---|---|---|
| F1 — Fire, domestic (buildings, contents) | 0.003630% (R30) | 0.000363% (R3) |
| M1 — Cars, private use | R26.23 per vehicle | R2.62 per vehicle |
| M2 — Light commercial vehicles (3,500 kg GVM or less) | 0.070621% (R45.39) | 0.007062% (R4.54) |
| M3 — Taxis | 0.035353% (R45.39) | 0.003535% (R4.54) |
| F4 — Fire, SME, policy limit R10,000 – R500,000 | R50 | R5 |
| F2 — Fire, commercial | 0.039228% (R500) | 0.003923% (R50) |
The rate is applied to the sum insured on your policy; when the result is below the minimum, the minimum is charged. Monthly rates are a tenth of the annual ones, so twelve monthly payments cost more than one annual premium.
Worked example
| Item (annual policy) | Calculation | Sasria premium |
|---|---|---|
| House insured for R1,500,000 | R1,500,000 × 0.003630% = R54.45 | R54.45 |
| Contents insured for R400,000 | R400,000 × 0.003630% = R14.52, below the minimum | R30.00 |
| One private car | Flat rate | R26.23 |
| Total | R110.68 a year |
On a monthly policy the same items cost R5.45 + R3.00 (minimum) + R2.62 = R11.07 a month. Our arithmetic from the published schedule; your insurer's schedule shows what it actually charges.
How Sasria is charged
Sasria SOC Ltd is the state-owned insurer for riot, strike, public disorder and terrorism damage. It works only through insurers and brokers, who add its cover and premium to your home, car or business policy (Sasria). The full guide — what it covers, the 30-day claim notice, and how to claim — is on Sasria explained.
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Frequently asked questions
How is Sasria calculated?
Sasria applies a published rate to the sum insured: 0.003630% a year for homes and contents (minimum R30), a flat R26.23 a year per private car, 0.070621% for light commercial vehicles (minimum R45.39) — rates effective 1 October 2025.
How much is Sasria on a car per month?
R2.62 a month for a private car, or R26.23 a year, under Sasria's rates schedule effective 1 October 2025.
How much is Sasria on a house?
0.003630% of the building's sum insured a year, minimum R30 — about R54 on a house insured for R1.5 million. On a monthly policy it is 0.000363% a month, minimum R3.
Can I buy Sasria directly?
No. Sasria sells through South Africa's non-life insurers and brokers, who add it to your policy.