Car Insurance - Affordable Vehicle Cover | Prime Meridian
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PMD's CAR INSURANCE PRODUCT OVERVIEW

  • PROVIDES
    COVER FOR

  • TOTAL LOSS THROUGH:

    • Natural fire & disaster
    • Theft & Hijacking
    • Accidental Write-off*

  • 3RD PARTY VEHICLE LIABILITY

    • Protection up to R500 000, per incident

  • GROWING COVER FOR ACCIDENTS AND LOSSES
  • NATIONWIDE 24 HOUR ROADSIDE ASSISTANCE

    • Optional Mechanical &   electrical warranty
    • Optional minor dents &
      scratch protection

  • PRIME MOTORTHRIFT

  • FROM AS LITTLE AS
    R464*PM
  • OPTIONAL
  • OPTIONAL
  • LEARN MORE
  • PROVIDES
    COVER FOR

  • TOTAL LOSS THROUGH:

    • Natural fire & disaster
    • Theft & Hijacking
    • Accidental Write-off*

  • 3RD PARTY VEHICLE LIABILITY

    • Protection up to R500 000, per incident

  • GROWING COVER FOR ACCIDENTS AND LOSSES
  • NATIONWIDE 24 HOUR ROADSIDE ASSISTANCE

    • Optional Mechanical &   electrical warranty
    • Optional minor dents &
      scratch protection

  • PRIME MOTOR COVERGROW

  • FROM AS LITTLE AS
    R149*PM
  • OPTIONAL
  • OPTIONAL
  • LEARN MORE
  • PROVIDES
    COVER FOR

  • TOTAL LOSS THROUGH:

    • Natural fire & disaster
    • Theft & Hijacking
    • Accidental Write-off*

  • 3RD PARTY VEHICLE LIABILITY

    • Protection up to R500 000, per incident

  • GROWING COVER FOR ACCIDENTS AND LOSSES
  • NATIONWIDE 24 HOUR ROADSIDE ASSISTANCE

    • Optional Mechanical &   electrical warranty
    • Optional minor dents &
      scratch protection

  • PRIME MOTORASSIST

  • FROM AS LITTLE AS
    R49*PM
  • LEARN MORE
*Terms and Conditions apply.

PMD's PRODUCT BENEFITS COMPARED TO COMPREHENSIVE INSURANCE


PMD'S PRODUCT OFFERINGS

OTHER INSURER OFFERINGS

PRIME MOTORTHRIFT

PRIME MOTOR COVERGROW

Traditional Comprehensive

Designed for people who cannot afford OR who are struggling to afford or maintain comprehensive insurance. Designed for people who cannot afford OR who are struggling to afford or maintain comprehensive insurance. Designed for individuals who can afford higher motor insurance premiums and who require immediate cover for the full value of their vehicle.
Low monthly premiums – affordable alternative to comprehensive motor insurance. Very low monthly premiums – most affordable option. High monthly premiums (comparatively). Where premium rates are similar, a large claims excess may possibly apply.
No excess to pay when claiming. Vehicle must be written-off for full benefits to apply. Where the vehicle is not written-off, Accident Contribution Benefit will apply (where selected) No excess to pay when claiming. Various excess payments may apply that cumulatively can become quite large. E.g. Some insurers charge an additional excess where the loss occurs at night or on weekends.
Premium values never increase! Premium values never increase! Premium values increase annually or after a claim is paid.
Non-discriminatory underwriting method. No gender, residential, garaging, tracker or other differentiation. Non-discriminatory underwriting method. No gender, residential, garaging, tracker or other differentiation. Risk profiling – generally people living in less desirable areas with lesser security protections are charged the highest premium rates.
No annual limit. Limited to 2 repair claims p.a.(1 in the first year). No annual limit.
Covers the total loss of your vehicle in the event of accidental write-off. Where the optional ACB benefit is selected, comprehensive-like benefits eventually apply in addition to the immediate total loss benefits provided by this policy. Covers ALL motor vehicle accidents. The level of cover is determined according to how your benefits have grown since inception of your policy. Benefits grow each month by the amount selected. With the passing of time, the Growing Benefit Amount equals the value of the vehicle and is sufficient to cover the whole of most common accidents. When this occurs, comprehensive-like benefits effectively apply. Fully covers ALL motor vehicle accidents but is usually subject to an excess.
Includes 3rd party vehicle liability protection up to R500,000, per incident Includes 3rd party vehicle liability protection up to R500,000, per incident. Includes 3rd party protection.
Covers towing and storage in the event of write-off up to R5,000. Does NOT cover towing and storage – but optional benefits do. Covers towing and storage for all accidents up to given limits.
Covers theft and hijacking. Covers theft and hijacking. The level of cover is determined according to how your benefits have grown since inception of your policy. Benefits grow each month by the amount selected. Covers theft and hijacking.
Covers total loss from natural fire or disaster but excludes hail damage. Hail is covered under optional ACB benefit up to R10,000. Covers total loss from natural fire or disasters. The level of cover is determined according to how your benefits have grown since inception of your policy. Benefits grow each month by the amount selected. Hail damage claims are limited to a maximum indemnity level of R10,000. Covers losses arising from natural disaster including hail.
Does NOT cover internal contents of your vehicle. Does NOT cover internal contents of your vehicle. Some policies make a limited allowance for loss of vehicle contents.
Does NOT cover the cost of replacing a cracked windscreen – but optional benefits do. Does NOT cover the cost of replacing a cracked windscreen – but optional benefits do. May cover the cost of replacing a cracked windscreen but usually an excess applies.
Cover commences after the 1st premium where an activation premium is paid otherwise after 3 consecutive premiums, however the 6 required photographs must have been received by the Insurer before cover commences. Where no required photographs have been received by the Insurer, cover will commence after six consecutive premium payments. Cover commences once the first premium is paid and the 6 required photographs of the vehicle have been received or alternatively once six consecutive monthly premium payments have been received when due. Cover commences after receipt of 1st premium plus any required initiation fee.
Only nominated drivers are covered. Only nominated drivers are covered. Usually any licensed driver can drive the vehicle provided it’s with the policyholder’s permission.
Does NOT cover car hire following an accident – but optional benefits do. Does NOT cover car hire following an accident – but optional benefits do. Often includes limited car hire provisions following an accident or loss.
OPTIONAL BENEFITS OPTIONAL BENEFITS OPTIONAL BENEFITS
PRIME MOTORASSIST – 24 hour Nationwide Roadside Assistance PRIME MOTORASSIST – 24 hour Nationwide Roadside Assistance Each insurer offers its own unique range of optional benefits. Some of the more common options are discussed above
Windscreen Replacement Windscreen Replacement
Towing extension – increases towing indemnity levels and adds cover for breakdowns and lesser accidents. Towing extension – adds towing indemnity for breakdowns and accidents.
Car Hire Extender Car Hire Extender
Accident Contribution Benefit – covers lesser accidents and hail damage with an increasing amount of cover each month.