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Previously Prime Meridian Direct (PMD) Prime Meridian Direct

Prime Comprehensive Car insurance loaded with our unique extras

ComprCar1_B
  • Starting
    at
  • R409pm*
  • where affordability meets great benefits
  • CompareTick_Benefits Accident and write-off cover
  • CompareTick_Benefits Theft and hijacking cover
  • CompareTick_Benefits Natural fire and disaster cover
  • CompareTick_Benefits Hail damage and glass cover
  • CompareTick_Benefits R1 million third-party protection
ComprCar1_B
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Only with Prime do you get these exclusive benefits

Included unique benefits

BenefitIcon_FixedPremiums

24-Month Fixed Premium Guarantee

Prime’s premiums are affordable and only increase every 24 months!*

BenefitIcon_ReducingExcess

Reducing Excess

Your basic excess reduces every month you don’t claim.*

BenefitIcon_AccidentalDeath

Free Accidental Death Cover

Get R10,000 paid to your family if you die unexpectedly in a car accident.

BenefitIcon_PassengerProtect

Passenger Protect Cover

Get private medical treatment for passengers injured in your vehicle with our Prime Protect app.
Icons Updated Gold_Gold RAF Assist

Road Accident Fund Claim Assist

With our Prime Protect app, you get free expert advice and assistance for injured drivers when claiming compensation from the Road Accident Fund.
Icons Updated Gold_Gold 24-7 Always- on Accident Detection

Always-On Accident Detection

If you have a serious car accident, our Prime Protect app will detect the collision and notify us immediately. We’ll contact you to assist or dispatch help as required.

Icons Updated Gold_Gold 24-7 Emergency Assist

24/7 Emergency Roadside Assistance

In the event of an accident or breakdown, we’ll be there to help!

“It was excellent, I won't complain she gave me all the answers I wanted to hear, I am happy she was the best. ” - Sboniso Hadebe

See what else is included

Not just any comprehensive car insurance

Prime's Comprehensive car insurance includes unique benefits only available at Prime

Cover for your car

  • SmallBenefitsIcon_AccidentWriteOff
    Accident and write-off cover
    You’re covered if you have an accident, or damage or write off your car.
  • SmallBenefitsIcon_TheftHijack
    Theft and hijacking cover
    If your car is stolen or hijacked, you’re covered.
  • SmallBenefitsIcon_FireDisaster
    Natural fire and disaster cover
    If your car is damaged or destroyed due to a naturally occurring fire or natural disaster, you’re covered.
  • SmallBenefitsIcon_Glass
    Glass cover
    If your car’s glass or windscreen is accidently damaged, you’re covered.
  • SmallBenefitsIcon_Hail
    Hail damage cover
    If your car is damaged as a result of hail fall, you’re covered.
  • SmallBenefitsIcon_ThirdParty
    Third-party liability protection
    Enjoy up to R1 million liability cover if you accidentally damage another person’s car or property.
  • SmallBenefitsIcon_RoadsideAssist
    24-hour roadside assist
    Rest easy knowing you’re never alone out there on the roads with our 24-Hour Roadside Assist.
  • SmallBenefitsIcon_RetailCover
    100% retail value cover
    Feel good knowing that you’re insured right up to the full retail value of your car.

Prime Protect app benefits for you

  • SmallBenefitsIcon_AccidentalDeath
    Free Accidental Death Cover
    R10,000 paid to your loved ones if you pass away in a car accident while driving your insured car. Your family can use this money for anything they need. Pay off debt. Cover final expenses. It’s your choice!
  • SmallBenefitsIcon_PassengerProtect
    Passenger Protect (Private Medical Treatment)
    Private medical treatment for passengers injured in your vehicle! With Passenger Protect, any passengers injured whilst in your vehicle will be taken to the closest hospital to be stabilised. Once stabilised, Prime Passenger Protect will arrange their transport to a supported private medical facility for further treatment.
  • Icons Updated Blue_Gold RAF Assist
    Road Accident Fund Cover
    Get expert advice and assistance for injured drivers when claiming compensation from the Road Accident. Feel supported every step of the way as we help you to claim up to 100% payout for medical bills, lost earnings, funeral expenses and more.
  • Icons Updated Blue_Gold Exclusive fee reductions
    Exclusive Savings with Lower Excess Fees*
    Enjoy reduced excess fees simply by keeping your Prime Protect App installed and active on your phone. This means less out-of-pocket expenses for you when you need it most.
  • Icons Updated Blue_Gold 24-7 Always- on Accident Detection
    24/7 Always-on Accident Detection
    Have peace of mind knowing that Prime will be there for you even when you may not be able to call for help after a serious car accident. Prime Protect is your companion in safe travelling!
  • Icons Updated Blue_Gold 24-7 Emergency Assist
    Free 24/7 Emergency Assist
    Whatever the time, wherever you are, Prime is always there for you! Enjoy free 24/7 emergency roadside assistance benefits that keep you safe and get you moving again.

Optional extras

  • SmallBenefitsIcon_CarHire
    Car hire
    Car in for damage repairs? No problem. Get up to 30 days car hire to keep you moving!
  • SmallBenefitsIcon_CreditShortfall
    Credit shortfall protection
    Car stolen or written-off? Insurance paid out? Still owe the bank money? We’ve got you covered.
  • SmallBenefitsIcon_AccidentalExtend
    Accidental death extender
    Inexpensively upgrade your included Accidental Death benefit up to R100,000.
  • SmallBenefitsIcon_TyreRim
    Tyre and rim cover
    Covers the cost of replacing or repairing your tyres and rims if they’re damaged by road hazards.

Unique Prime benefits included with Comprehensive

UniqueBenefitIcon_FixedPremiums

24-Month Fixed Premium Guarantee

Prime’s premiums are affordable and only increase every 24 months!*

UniqueBenefitIcon_ReducingExcess

Reducing Excess

Your basic excess reduces every month you don’t claim.*

UniqueBenefitIcon_AccidentalDeath

Free Accidental Death Cover

Get R10,000 paid to your family if you die unexpectedly in a car accident.

UniqueBenefitIcon_PassengerProtect

Passenger Protect

Get private medical treatment for passengers injured in your vehicle with our Prime Protect App.

Icons Updated Blue_Gold RAF Assist

Road Accident Fund Claim Assist

With our Prime Protect app, you get free expert advice and assistance for injured drivers when claiming compensation from the Road Accident Fund.

Icons Updated Blue_Gold 24-7 Always- on Accident Detection

24/7 Always-On Accident Detection

If you have a serious car accident, our Prime Protect app will detect the collision and notify us immediately. We’ll contact you to assist or dispatch help as required.

Icons Updated Blue_Gold 24-7 Emergency Assist

24/7 Emergency Roadside Assistance

In the event of an accident or breakdown, we’ll be there to help!

Unique Prime benefits included with Comprehensive

UniqueBenefitIcon_FixedPremiums

Fixed Premiums*

Your affordable premiums will only increase every 24 months*.

UniqueBenefitIcon_ReducingExcess

Reducing Excess*

If you don’t claim, your excess will reduce every month until it’s zero*

UniqueBenefitIcon_AccidentalDeath

Accidental Death Cover

Get up to R10,000 paid to your family if you die unexpectedly in a car accident.

Icons_Blue RAF Assist

Road Accident Fund

With our Prime Protect app, you get free expert advice and assistance for injured drivers when claiming compensation from the Road Accident Fund.

UniqueBenefitIcon_PassengerProtect

Passenger Protect

Get private medical treatment for passengers injured in your vehicle with our Prime Protect app.

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.

Join the Prime Family

We can't wait to meet you

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Looking for more car insurance options?

Browse our other Prime car insurance cover options, designed to suit every budget and lifestyle

Customised car insurance

Starting at R321pm*

Third-party car insurance

Starting at R167pm*

Compare products

Real peace of mind wherever you go

Real peace of mind wherever you go

Find out what others say about us…

As we know no one is perfect special when it comes to contracts. But Prime always available when I need help. I just log in the app select call me back they always call back in time
Yongama Beleni
Taken a new policy with Prime. The staff are extremely helpful and knowledgeable. Very friendly. Thank you.
Jasper Aidan
I lodged my claim this morning at 08h16 and by 11.30 it had been approved. Prime is very efficient.
K Kheswa
I’ve never had a problem with Prime since i joined them and the Monthly Premium and Excess is reasonable 🙏🏾
Imagine Ngobeni
Good communication and respectful, they have positive can do attitude.
Brenda Kind
Had the privilege of being assisted by Tshepile who was very helpful and knowledgeable. I loved my experience with her.
Edgar Chauke
I’ve been with Prime for 3yrs now and I have made 2 claims thus far, have been receiving good services. I’d definitely recommend Prime
Michael Motsapi
I would like to write a review about Prime. They are so efficient and hassle free. I once had a breakdown and requested a tow truck and they were very helpful. If you need any documentation from them before you even drop the call everything is in your mailbox. Prime you are the best.
Vusi Dlamini
I received a really good service from Prime consultant. She was professional and my problem was easily resolved.
Thabo Makgatlha
The service after joining was excellent and the following up of my emails was quick in succession. There was always feedback. Answered all my questions clearly. Offered me a great deal.
Fiona Barnes

Keep Prime in your pocket

Get easy access to our services, emergency assist, claims information, policy documents, plus benefits and awards when you download the Prime app.

  • PrimeMobile_Icon_01 Easy step-by-step claim capture
  • PrimeMobile_Icon_02 You can upload your policy photos easily
  • PrimeMobile_Icon_03 Access to all your personal details to view or update
  • PrimeMobile_Icon_04 Emergency contact numbers and important information are always with you

What is comprehensive car insurance?

Comprehensive car insurance is essential for providing extensive protection against a wide range of incidents, ensuring peace of mind and financial stability. It generally covers:
  • Total Loss Cover: Cover for your car in case of theft, hijacking, or write-off due to an accident.
  • Accident Damage Repair: Covers the cost of repairs for accident/collision damage
  • Third-Party Liability Protection: Covers damage you cause to other people’s cars or property.

Why do you need comprehensive car insurance?

When financing a new car in South Africa, you must have comprehensive car insurance. The car will be in your name, but you owe money to the finance institution until it’s fully paid off.

Given the high rates of road accidents, theft, and hijackings in South Africa, it is also a good option to have comprehensive car insurance even if your car is fully paid off. A report from SAPS revealed that 16,325 cars were hijacked and 50,663 cars were stolen between 2017 and 2018.

According to the Automobile Association of South Africa; 65% to 70% of the 12 million registered cars in South Africa are not insured, including Third Party liability insurance. If you are involved in an accident with an uninsured driver, you would likely have to pay for your own car repairs or replacement.

Benefits of comprehensive car insurance:

South African motorists could enjoy these commonly available benefits under Comprehensive car insurance:
  • Accident and total loss cover
    • Cover for the damage or total loss of your car caused by an accident. At Prime, you are also covered for the total loss of your car due to natural disaster or fire and theft or hijacking.
  • Car value cover
    • Car insurers may cover your car for either retail, market or trade value in the event of an accident, depending on the type of cover you had at the time. At Prime, you are covered for the full retail value of your car under our comprehensive car insurance policy
  • Third-party liability cover
    • Third-party cover is useful to have and can come with different limits. Naturally, the higher the limit the greater the cover. At Prime, you have peace of mind knowing you are covered for up to R1 million in third party cover.
  • Roadside assistance and towing benefit
    • Sometimes cars break down due to mechanical failure or need towing after an accident. This benefit is useful in such situations. At Prime, you have access to this service 24/7 as part of a comprehensive car insurance policy.
In addition to the above, some insurers that may offer additional types of cover under the policy. These include:
  • Hail damage cover
    • South Africa is known to have severe hailstorms. Hail damage cover will give you peace of mind should your car is damaged by a hailstorm. At Prime, you are covered for this as part of our standard comprehensive car insurance offering.
  • Glass cover
    • Roads often have debris that can fly up and hit your car’s glass. At Prime, if your car’s glass or windscreen is accidently damaged, you’re covered.

Unique Features from Prime Comprehensive car insurance:

  • 24-Month Fixed Premium Guarantee: Ensures your premium remains the same for 24 months when you remain claim free.
  • Reducing Basic Excess: The basic excess reduces each month until it becomes zero.
At Prime, your comprehensive car insurance also lets you add to your cover. Your optional extras are:
  • Car rental benefit
    • When your car is in for repairs, we’ve got you covered for up to 30 days’ use of a hire car to keep you moving.
  • Credit shortfall benefit
    • Car stolen or written-off? Insurance paid out? Still owe the bank money? We’ve got you covered.
  • Tyre and rim cover
    • If your car’s tyres and rims are damaged as a result of road hazards, such as potholes and debris, we will help you cover the cost.
Over and above these additional benefits, Prime’s comprehensive car insurance also offers free value-added benefits when you download and maintain our Prime Protect App:
  • R10,000 Free Accidental Death Cover:
    • R10,000 Accidental Death Cover if you die in an accident with your car. The money can be used in any way that makes sense for your family.
  • Passenger Protect:
    • Any passengers injured in your car will be taken to the closest hospital to be stabilised. Once stabilised, Prime Passenger Protect will arrange for further transport to a supporting medical facility for further treatment
  • Driver RAF Claim Assist:
    • Expert advice and assistance for injured drivers of your car when claiming compensation from the Road Accident Fund. Feel supported every step of the way as we help you to claim up to 100% payout from the RAF for medical bills, lost earnings, funeral expenses and financial support for dependents.
  • Accident Detection with 24/7 :
    • The app will detect a collision and notify us immediately. We will contact you to assist or dispatch help as required

Tips for Buying Comprehensive Car Insurance

  • Shop around: Remember, when buying a new car to factor into your budget the monthly car insurance premium. Work out a budget beforehand, so there are no nasty surprises. Get quotes from different insurance companies.4
  • Lower premiums: Lower premiums might mean the insurance company doesn’t cover everything if you have an accident. There is a reason you are paying lower premiums. Always remember to read the fine print.4
  • Excess: when looking for car insurance, find an insurer that can allow you to choose an excess that best suits your budget.4

Research your car insurance options

Do your research before you buy comprehensive car insurance. Carefully and objectively compare different insurers’ quotes. Also, be mindful of comparing what each car insurance company includes and excludes from cover. Disclaimer Buying comprehensive car insurance is a serious decision to make. The content of this article is only for informational purposes and not as financial advice of any kind. *Make sure you read the terms and conditions of Comprehensive car insurance with Prime to make an informed decision about the cover. Wheels24 (1) Wheels24 (2) Woman on Wheels Businesstech
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Prime Meridian House, Bryanston Gate Office Park, 170 Curzon Road (Cnr Main Road and Homestead Ave) Bryanston, Johannesburg, 2021

Prime SA is an Authorised Financial Services Provider, FSP 41040. Policy benefits underwritten by Santam Structured Insurance Limited, a Licenced Non-Life insurer
and Authorised Financial Services Provider, FSP 1027. Administered by PrimaryAsset Administrative Services (Pty) Ltd. Authorised Financial Services Provider. FSP 3920. Terms and Conditions apply.
Prime SA is a member of the Direct Marketing Association of South Africa. ©2024

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