Prime Comprehensive Car insurance loaded with our unique extras
-
Starting
at - R409pm*
- where affordability meets great benefits
Only with Prime do you get these exclusive benefits
Included unique benefits
24-Month Fixed Premium Guarantee
Prime’s premiums are affordable and only increase every 24 months!*
Reducing Excess
Your basic excess reduces every month you don’t claim.*
Free Accidental Death Cover
Get R10,000 paid to your family if you die unexpectedly in a car accident.
Passenger Protect Cover
Get private medical treatment for passengers injured in your vehicle with our Prime Protect app.
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.
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.
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
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Accident and write-off coverYou’re covered if you have an accident, or damage or write off your car. -
Theft and hijacking coverIf your car is stolen or hijacked, you’re covered. -
Natural fire and disaster coverIf your car is damaged or destroyed due to a naturally occurring fire or natural disaster, you’re covered. -
Glass coverIf your car’s glass or windscreen is accidently damaged, you’re covered. -
Hail damage coverIf your car is damaged as a result of hail fall, you’re covered. -
Third-party liability protectionEnjoy up to R1 million liability cover if you accidentally damage another person’s car or property. -
24-hour roadside assistRest easy knowing you’re never alone out there on the roads with our 24-Hour Roadside Assist. -
100% retail value coverFeel good knowing that you’re insured right up to the full retail value of your car.
Prime Protect app benefits for you
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Free Accidental Death CoverR10,000 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! -
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. -
Road Accident Fund CoverGet 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. -
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. -
24/7 Always-on Accident DetectionHave 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! -
Free 24/7 Emergency AssistWhatever 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
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Car hireCar in for damage repairs? No problem. Get up to 30 days car hire to keep you moving! -
Credit shortfall protectionCar stolen or written-off? Insurance paid out? Still owe the bank money? We’ve got you covered. -
Accidental death extenderInexpensively upgrade your included Accidental Death benefit up to R100,000. -
Tyre and rim coverCovers the cost of replacing or repairing your tyres and rims if they’re damaged by road hazards.
Unique Prime benefits included with Comprehensive
24-Month Fixed Premium Guarantee
Prime’s premiums are affordable and only increase every 24 months!*
Reducing Excess
Your basic excess reduces every month you don’t claim.*
Free Accidental Death Cover
Get R10,000 paid to your family if you die unexpectedly in a car accident.
Passenger Protect
Get private medical treatment for passengers injured in your vehicle with our Prime Protect App.
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.
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.
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
Fixed Premiums*
Your affordable premiums will only increase every 24 months*.
Reducing Excess*
If you don’t claim, your excess will reduce every month until it’s zero*
Accidental Death Cover
Get up to R10,000 paid to your family if you die unexpectedly in a car accident.
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.
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.
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Get easy access to our services, emergency assist, claims information, policy documents, plus benefits and awards when you download the Prime app.
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.
- 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.
- 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.
- 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
