Insurers.globalAfrica

São Tomé and Príncipe · Central Africa

SAAR S.Tomé e Príncipe

Profile highlights

7 badges
  • Group spans 1 directory continent

    SAAR Group: 6 markets across 1 directory continents (Asia-Pacific is one directory region). Group membership does not establish this entity’s policy availability.

  • Part of a group

    Based on this profile’s recorded ownership data. Not an endorsement or a financial-strength rating.

  • Group listed in 5+ markets

    SAAR Group: 6 markets across 1 directory continents (Asia-Pacific is one directory region). Group membership does not establish this entity’s policy availability.

  • Composite

    Based on this profile’s recorded business data. Not an endorsement or a financial-strength rating.

  • Pan-African group

    Based on this profile’s recorded ownership data. Not an endorsement or a financial-strength rating.

  • Group spans 2+ directory regions

    SAAR Group: 6 markets across 1 directory continents (Asia-Pacific is one directory region). Group membership does not establish this entity’s policy availability.

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  • Listed in Africa

    Based on this profile’s recorded location data. Not an endorsement or a financial-strength rating.

Badge criteria
CCompositePan-African groupVerified against the regulator register

BCSTP: 'SAT Insurance ... de capital camaronês, licenciada em 2001 no Ramo Geral, que posteriormente, em 2013, começou a realizar operações no Ramo Vida' - so composite (general since 2001, life since 2013). A SAAR group web excerpt describes SAAR STP as a SAAR Cameroon subsidiary established in 2002 with USD 500,000 initial capital (dates differ from the BCSTP's 2001 licence).

Official sources

BCSTP regulator profile

This directory holds no official website for SAAR S.Tomé e Príncipe: the BCSTP register does not publish one and no sourced profile has been accepted. The register is the authoritative record of who is licensed.

Business profile

Understanding SAAR S.Tomé e Príncipe

Sources checked

Local insurance range

SAAR São Tomé’s local presentation describes motor, health, liability, transport, personal accident and fire insurance. It also identifies education, retirement, protection and borrower life products, and provides a São Tomé office contact for enquiries about its local range.

SAAR São Tomé — local presentation

About composite business

The composite category combines life and non-life business within one insurer. Individual products can have different policy terms, service teams and claims requirements.

General guidance for the directory category. Specific products and terms must be confirmed with SAAR S.Tomé e Príncipe.

Explore the São Tomé and Príncipe insurance market or other entries in this category.

Questions to ask about cover

  • Which department handles the product I need?
  • What does the policy cover and exclude?
  • Which documents and notification deadlines apply to a claim?

For an existing policy, use the insurer and service contact named on your policy schedule. Have your policy reference and a short description of the enquiry ready.

Class of business
CompositeLicensed to write both life and non-life business under one entity.
Parent / group
SAAR GroupLicensed in 6 countries, 9 entities in this directory.
Ownership
Pan-African groupPart of an insurance group licensed in two or more African countries.
Regulator
Banco Central de São Tomé e Príncipe (BCSTP)bcstp.st
Local currency
STN
Source basis
BCSTP, 'Empresas de Seguro' list (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG) and 'Sobre Empresas Seguradoras' page, both retrieved 2026-09-26.
Country verification
Verified - full register · Banco Central de São Tomé e Príncipe, 'Instituições Financeiras - Empresas de Seguro' (https://www.bcstp.st/Instituicoes-Financeiras-Detalhes?cod=SEG, retrieved 2026-09-26): lists 2 insurers, 'SAAR S.Tomé e Príncipe' and 'NICON SEGUROS'. Corroborated by BCSTP 'Supervisão - Empresas de Seguros' page (https://www.bcstp.st/Banco-Central?x=SwLgBoNpb/7IcYkZfC6Zcg==&&z=e7pHX56moyeeYqrLxTGFBQ==, last publication 31 Dec 2023) and BCSTP 2023 insurance-indicators spreadsheet (https://www.bcstp.st/Upload/New_DOC/SB/Indicadores_Seguros_2023.xlsx): 'Número de Empresas de Seguros' = 2 for every year 2018-2023.
Identifiers
slug sao-tome-and-principe-saar-s-tome-e-principe · row 1245/api/v1/insurers/sao-tome-and-principe-saar-s-tome-e-principe.json