Terms and Conditions

Benefits : Day-to-Day Savings

Discount Coupons

This benefit only applies to Reality Club and Reality Access for Sanlam Group Risk.
The discount coupon service offers members discounts on a range of grocery items obtainable from a major retailer nationwide on a monthly basis.

  • Discount coupons are unique.
  • Discounts are redeemable only at selected* Shoprite/Checkers/Checkers Hyper stores nationwide.
  • Discount coupons are subject to stock availability.
  • Although Sanlam Reality through its service provider will endeavour to provide a suitable variety of coupons and brands on a monthly basis, there may be instances where a certain brand will feature multiple times.
  • Sanlam Reality will endeavour to provide coupons of which the rand discount amount is acceptable in relation to the value of the product.
  • Retail partners and brand owners have final say on coupon availability.
  • Digital redemption is via USSD by dialling *134*20019# and following the on-screen prompts to select the relevant discount coupon.
  • The discount coupon is based on a 16-digit barcode number which is sent to the member via SMS upon request on the USSD.
  • The barcode number must be inserted at point of sale prior to making payment in order for the discount to be afforded.
  • Barcode requested applies to the selected product only.
  • The barcode number must be provided to the cashier at the till before payment is made. In some instances the cashier may insert the barcode or alternatively request that the member do so.
  • Mobile phone network reception is required in order to access the USSD. If the member is inactive for longer than 20 seconds on the USSD session, the session will timeout.
  • Sanlam Reality does not take responsibility for cellular phone network failure that might result in the SMS not reaching the customer.

*According to the selected coupons based on the listing and values provided and the availability in the various stores (Shoprite/Checkers/Checkers Hyper.)

Discounted Magazines

This benefit only applies to the Reality Club membership option.

  • You can get up to 45% discount on a yearly magazine subscription. Click here to view what magazines are available.
  • Payment methods for the subscription, as well as the process to order, may differ from the various magazine publishers.

Annual Vehicle Inspection

This benefit applies to all Reality Health, Reality Plus, Reality Core and Reality Club members.

  • The annual vehicle inspection can only be done at participating Tiger Wheel & Tyre and Tyres & More stores.
  • The cost of the vehicle inspection is R95 and for the member’s own account.
  • By doing the annual vehicle inspection, you grant Tiger Wheel & Tyre and Tyres & More employees the permission to drive your vehicle for test purposes and/or to inspect it. The store cannot be held responsible for any loss and/or damage to the vehicle and/or articles left in the vehicle in the case of fire, theft or any other cause whatsoever, unless there was negligence on the store’s part.
  • Tiger Wheel & Tyre and Tyres & More will automatically upload the details recorded directly to Sanlam Reality to earn tier points. Sanlam Reality will then communicate directly with members about the points earned. Only Sanlam Reality members with a Santam personal insurance policy can earn tier points for this activity.
  • Please note: completing this vehicle inspection does not affect your Santam policy.

Sanlam Money Saver credit card

To view credit terms and conditions, click here.
To view Cash-back Bonus and savings terms and conditions, click here.