Previously Prime Meridian Direct (PMD) Prime Meridian Direct

Affordable-car-insurance

Affordable car insurance products for all South Africans

Since rebranding from Prime Meridian Direct (PMD) to Prime South Africa in 2024, our car insurance range includes even more customisable benefits. Get a quote online now, or we can call you.

Choose a car insurance plan

Starting at

Compare the benefits...

Included Prime benefits

Protection for scenarios where your vehicle is no longer recoverable or repairable.

Cover for accident damage to your car.

Cover for loss of vehicle caused by uncontrollable natural events like fires and disasters.

If your car’s glass or windscreen is accidentally damaged, you’re covered.

Rest easy knowing you’re never alone out there on the roads with our 24-Hour Roadside Assist.

If your car is damaged as a result of hail fall, you’re covered.

You're covered when you damage someone's car or property in an accident.

This is the maximum value that your car is insured for.

Unlimited

Up to R1 million

Retail value

Up to R20,000

Up to R500,000

Market value

Growing cover

Growing cover

Growing cover

Optional

Optional

Up to R10,000

Up to R500,000

Trade value

Unique benefits only available from Prime

Optional extras

Car in for damage repairs? No problem. Get up to 30 days car hire to keep you moving!

Covers repair or replacement costs for tyres and rims damaged by road hazards.

Bridges the gap between insurance payout and remaining car loan when a total loss claim is approved, up to 20% of insured value.

Provides financial aid to your family for debts or expenses if you die in a car accident.

Allow up to 2 additional drivers to be added onto your policy to enjoy these benefits.

Comprehensive

car insurance cover

Up to 2

Customised

car insurance cover

Up to 2

Third-Party

car insurance cover

Up to 2

Premiums quoted are risk profile dependent and are valid for 24 hours only. Accepted premiums are fixed for 24 months provided you remain claim free. A reducing excess is available on the Comprehensive and Customised cover options only. Growing accident damage cover applies to the Third-Party PLUS and Customised cover options only. T&Cs, excess charges, exclusions and limitations apply to all products.

Comprehensive

car insurance cover

Starting from

R409pm*

Protection for scenarios where your vehicle is no longer recoverable or repairable.

Cover for accident damage to your car.

Cover for loss of vehicle caused by uncontrollable natural events like fires and disasters.

If your car’s glass or windscreen is accidentally damaged, you’re covered.

Rest easy knowing you’re never alone out there on the roads with our 24-Hour Roadside Assist.

If your car is damaged as a result of hail fall, you’re covered.

You're covered when you damage someone's car or property in an accident.

This is the maximum value that your car is insured for.

Cover for accident damage to your car.

Covers repair or replacement costs for tyres and rims damaged by road hazards.

Bridges the gap between insurance payout and remaining car loan when a total loss claim is approved, up to 20% of insured value.

Provides financial aid to your family for debts or expenses if you die in a car accident.

Allow up to 2 additional drivers to be added onto your policy to enjoy these benefits.

Customised

car insurance cover

Starting from

R321pm*

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-Party PLUS

car insurance cover

Starting from

R167pm*

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.
You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Unique benefits only available from Prime:

*T&Cs apply. Premiums quoted are risk profile dependent and reviewed every 24 months. Fixed premiums are claim dependent. Reducing excess applies to our Comprehensive and Customised cover. Growing cover applies to our Third-Party PLUS and Customised cover. Excess, exclusions and limitations apply

At Prime, we're small enough to care, but big enough to make a difference

At Prime, we're small enough to care, but big enough to make a difference

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Frequently asked questions

Frequently Asked Questions

What would you like to know?
  • What is included in the Prime Comprehensive car insurance policy?

  • Can I change my Prime policy or cover at a later stage?

  • What documents do I need to provide to buy car insurance from Prime?


  • What is the difference between the retail, market and trade value of my car?

What is included in the Prime Comprehensive car insurance policy?

Our Comprehensive insurance covers car accidents, theft, natural fires and disasters, hail, and third-party liabilities. Plus, you'll enjoy fixed premiums for 24 months*, as well as an excess that reduces every month you don't claim until it's zero. We also offer Customised and Third-party PLUS cover options.

Can I change my Prime policy or cover at a later stage?

Yes, you can! Our various communication portals make it easy to get help changing your cover type, adding new benefits, or upgrading your cover with a click of a button.

What documents do I need to provide to buy car insurance from Prime?

With Prime, we've made this process very easy. You can access our photo guide using our data-free Prime app or our website. This will show you what photos you need to take of your car, driver's licence and licence disk. Then, you're good to go!

What is the difference between the retail, market and trade value of my car?

Retail value is the price a dealer would sell a vehicle for to their customer and is the highest value of the three. This is what you'll be covered for if you have our Prime Comprehensive car insurance. The trade value refers to the amount a dealer would pay to purchase the car from the owner and is what you'll be covered for with our Prime Third-party PLUS car insurance. Market value is in between trade and retail values, representing the average of the two, and is what you’ll be covered for with our Prime Customised car insurance.

Can car insurance calculators find cheap car insurance quotes?

In 2024, we evolved from Prime Meridian Direct (PMD) to Prime South Africa. Our mission remains the same: to provide quality, affordable car insurance that empowers South Africans.

Since then, we’ve introduced an advanced client self-service portal our Prime South Africa mobile app designed to make car insurance easier for you – from quote to claim and everything in between. You can also unlock exclusive benefits with our Prime Protect app: R10 000 accidental death cover, private medical treatment for injured passengers and expert legal advice for drivers to claim from the Road Accident Funds.

We’re also proud to continue providing you with unique benefits, such as our 24-month fixed premiums and reducing excess that drops to zero if you don’t claim, and a range of car insurance products.

In addition to our fully Comprehensive Cover, we make car insurance more accessible to South Africans through our highly affordable and unique alternative car insurance products called Customised Cover and Third-Party PLUS Cover.

Our transition from PMD to Prime South Africa reflects our dedication to enhancing your experience with simplicity, compassion, and professionalism.

Get a quote today to see how Prime South Africa can enrich your life.

“The rebrand is 100% about our clients. It’s about delivering the value they deserve and making things simpler and more reassuring for them.” – Prime CEO, Stuart Benfield.

Are you thinking of buying car insurance in South Africa now? We all want to find the best deal on car insurance. It should be cheap and cover everything that we need car insurance to cover too. Car insurance calculators are often used. In the old days, a car insurance calculator used a small number of elementary parameters. However, today, companies have advanced greatly in calculating car insurance, using complex parameters. Read on and find out what influences your premium.

What value do car insurance companies give your car?

Insurers mostly provide cover based on the car’s ‘market value’.1 The market value is the average of the trade-in value, which is the lowest, and the retail price, which is the highest.

What is meant by trade-in and retail prices?

A trade-in price is what a dealership offers to take off the purchase price of a new car when you trade in your old car. The price is set by the dealership. The retail price of your car is the average price that a dealer will sell your car for. Insurers provide a discount if you insure your car for its market value.1

The make and model of your car affects the premium

It’s a no-brainer that the value of the make and model of your car will greatly influence the premium. A premium to insure an expensive, luxury SUV will be a lot more than one used for insuring a small city car. Some cars are expensive to maintain, due to expensive spare parts.1 Other cars are more sought-after by thieves and hijackers. The insurer bases premiums on data from claim histories of all the various makes and models.

What about the age of your car?

Usually, the older your car, the less its market value, and the lower will be the premium.1

Cover for sports cars is expensive

Insurance is all about risk. The higher the risk of insuring a particular car, the higher the premium. Fast sports cars with young drivers are at greater risk of having an accident compared to an adult driving a standard sedan. Thus, premiums for the former car are considerably higher.1 Conversely, if the risk is decreased by adding safety features to a car, the premium could be lowered.

Your choice of car insurance type affects your premium

Should you choose to cover your car with comprehensive car insurance, the premium will rise steeply. The reason for this is that your car is covered ‘comprehensively’ or completely, and hence the higher premiums. Third party car insurance provides limited cover and thus has a lower premium.1

Consolidating your policies with one insurer

Some insurance companies discount your premiums if you have other policies, such as life insurance, with them as well.1

Your driver profile is most important to the insurer

You can do nothing about calculations based on the following parameters because they represent who you are.1

Why is your age important?

Again, it always comes down to risk. Young drivers, especially those below 21, are considerably less experienced and thus pose a greater risk on the roads compared to adults, who have had many years of driving experience. Thus, young drivers have to pay a higher premium compared to older drivers. Be honest and fully inform the insurer who is the regular driver, to avoid possible rejection of a claim at a later stage.1

Young male drivers post a greater risk than their female counterparts

Statistics show that young male drivers under the age of 25 are at greater risk and are thus charged higher premiums compared to corresponding female drivers.1

A good education helps

Drivers who are professionals in science, medicine, engineering, and so on, statistically pose a low risk. As a result, insurers offer them discounted premiums.1

Are you single or married?

Insurers have found that, statistically, married drivers are less risky compared to single drivers, and thus are offered discounts.1

Your driving and claim profile

Drivers that have hardly claimed anything over several years are considered low risk and thus qualify for lower premiums and no-claim bonuses. Drivers who start off with no driving history are initially charged higher premiums.1

Where do you live and work?

Some insurance companies raise premiums if policyholders live and work in risky and maybe dangerous areas.1

Making your car more secure helps

By adding security features to your car such as anti-hijack and tracking systems will reduce risk and premiums.1

Are you using your car for business purposes?

Using your car most of the time for business means you travel more and are thus exposed to greater risk. This means the premium will go up.1

What is your excess?

The higher the excess, the lower the premiums are likely to be.1,2

Your credit record matters

Insurers prefer offering lower premiums to those drivers who are responsible with their finances.1

Other benefits that are part of the policy

Benefits such as 24/7 roadside assistance may be part of your premium. You can lower your premium by cancelling them but think carefully before you do so.

Have you considered covering your car with PMD’s cheap car insurance?

Now that you have read all about what affects car insurance premiums, make sure your car is adequately covered by buying cheap car insurance products with PMD (Prime Meridian Direct). It’s easy and quick – just go online with PMD’s Online Insurance Purchase Platform. You can do this at any time of the night or day, and make use of a call-back facility if you want to. Audio and video material are provided for extra assistance.

How do South Africans feel about Buying Car Insurance Online?

Online shopping continues to grow in popularity in South Africa. An ‘Online Retail in South Africa’ research study was carried out by World Wide Worx, which revealed that there was a 25% year-on-year growth in online shopping in 2018.

Online shopping is convenient

Is it the same for car insurance? Do people like buying car insurance online too? Buying car insurance online can save you time and you can buy it at any time which means you don’t have to squeeze it in during office hours. You could research a wide range of insurers online and make your choice when you’re happy, all without making or taking a single call. The key to online shopping success for companies is to make it as easy as possible for customers. Some may argue that it is easier to buy something over the phone compared to filling out pages of information online. Nevertheless, some insurers have made it as easy and logical a process as possible. The latest IT technology allows website owners to constantly improve their online buying processes by studying how consumers behave on their websites.

Car insurance companies embrace online shopping trend

Most leading insurers have embraced the online shopping trend and promote and sell car insurance online now. It is true that insurers are catering for the part of the population that is digitally savvy. However, some South Africans still prefer to make purchases the traditional way, whether it is in-store or via a telesales person.

A shift in consumer buyer behaviour

More individuals’ perceptions about shopping online will change over time as the online shopping trend further matures. For example, many people didn’t trust online banking in the past but now, in 2019, banks are closing branches because people’s online banking habits are reducing the need for them. This trend is also evident in the online self-service sector. For example, MultiChoice, the owner of DStv, announced that they would restructure their workforce based on changing consumer behaviour, as more people interacted with the company online than in the past.

Online shopping security

It is fascinating to see this growth in online shopping. According to a recent research study by the University of South Africa, many respondents were concerned about the security of their financial data when participating in shopping. Overall, they were more concerned about their online transactions’ security compared to face-to-face transactions. Consumer buyer behaviour is intriguing because of financial crime occurring face-to-face too, whether it is card skimming during a transaction at a point-of-sale in a store, or someone being robbed at an ATM. Either way, banks, in many cases, usually refund people who have been victims of financial crime. Every bank has its own terms and conditions. Therefore, we recommend that you confirm what and when your bank covers you in terms of fraud. Like online retail stores, car insurance company websites make use of effective security measures which protect consumer information Not only is it in the insurers’ best interests but it is also required by law (see for example the conditions contained in the POPI Act). South African companies have, and continue to, invest in online security. PwC revealed, from its research, that SA companies actively combat economic-related crimes and 44% of all South African companies increased their expenditure on fighting fraud since 2016.

Online shopping security tips

When it comes to buying anything online, follow the standard safety precautions. Make sure it is a legitimate website from an insurer before you share your financial information. Look out for the “padlock” in your internet browser, which symbolises that the website is secure. Make sure it is a well-known brand – have you heard of them before? Is the insurer a registered Financial Service Provider? If in doubt, contact your bank’s fraud division. They have a wealth of knowledge on the matter, and they will gladly help you. Don’t do online shopping in a public space where passers-by can see what you are doing. Don’t connect to a WiFi Internet network that you don’t know and/or is available to the general public. Fraudsters could access your computer this way.

Get affordable car insurance online with Prime

Buying products online is convenient and generally secure. Online stores and insurers usually make every effort to provide excellent customer care too. Are you looking for affordable car insurance? Why not get an online quote or buy car insurance online with Prime?

Disclaimer

Buying car insurance isn’t the same as buying socks online. So, we recommend that you seek qualified financial advice before you buy car insurance regardless of how you decide to buy car insurance. Always read the terms and conditions and spend your time comparing every facet of insurers’ products before you make your final choice.
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