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Approved Repairers

Get a Car Insurance Quote

Fill in your details and we'll call you back

or Buy Online

Existing Clients

For assistance with a policy or a claim

Smiling South African family with their red car, which has affordable Customised car insurance cover from PMD.

Get a Car Insurance Quote

Fill in your details and we'll call you back

or Buy Online

Existing Clients

For assistance with a policy or a claim

Customised total loss car insurance that offers
fixed premiums and reduce-to-zero excess.*

Customised cover that protects you in the event of a write-off* with excess that reduces to zero and fixed premiums.*

  • Benefits include:

    benefit icon Cover for Write-Off

    Cover for Write-Off

    benefit icon Cover for Write-Off

    You're covered if your vehicle is totally lost through accidental write-off, through natural fire and disaster as well as theft and hijacking.

  • benefit icon Third-Party Liability Cover

    Third-Party Liability Cover

    benefit icon Third-Party Liability Cover

    Up to R500,000 third-party liability protection, per incident.

  • benefit icon Full Market Value Cover

    Full Market Value Cover

    benefit icon Full Market Value Cover

    You are covered for the full market value of your car.

  • benefit icon Growing Cover For Smaller Accidents

    Growing Cover For Smaller Accidents

    benefit icon Growing Cover For Smaller Accidents

    Cover for smaller accidents on a growing benefit basis up to 100% of market value.

  • benefit icon 24-hour Roadside Assistance and Towing

    24-hour Roadside Assistance and Towing

    benefit icon 24-hour Roadside Assistance and Towing

    24-hour roadside assistance is available to you if you are in an accident or break down due to mechanical failure.

  • benefit icon Hail Damage Cover

    Hail Damage Cover

    benefit icon Hail Damage Cover

    Cover for hail damage up to R20,000.

  • benefit icon Glass Cover

    Glass Cover

    benefit icon Glass Cover

    We will cover the replacement of the glass if your vehicle's glass is accidentally damaged or requires replacement.

  • Additional options available

    benefit icon Car Hire

    Car Hire

    benefit icon Car Hire

    Cover for car hire costs following an incident involving your vehicle.

  • benefit icon Credit Shortfall Protection

    Credit Shortfall Protection

    benefit icon Credit Shortfall Protection

    Cover for outstanding debt on financed vehicles with an activated Credit Shortfall Protection benefit.

  • benefit icon Accidental Death Cover

    Accidental Death Cover

    benefit icon Accidental Death Cover

    Cover for any amount owing to your financial institution under a Credit Agreement in the event of your accidental death.

  • benefit icon Additional Drivers

    Additional Drivers

    benefit icon Additional Drivers

    Add 2 additional drivers to your policy, over and above the 2 free regular drivers, for a small monthly fee.

  • benefit icon Tyre And Rim

    Tyre And Rim

    benefit icon Tyre And Rim

    We will cover the repair or replacement of tyres and the repair of rims that are damaged as a result of road hazards.

*Subject to terms and conditions, your monthly premiums are guaranteed to remain unchanged for 24 months.

Get insurance to suit every budget

Discover a range of car insurance options to suit your budget.

A South African man smiles and folds his arms while leans on his car, which is covered with affordable comprehensive car insurance with PMD.
Comprehensive Cover
Comprehensive cover for your car with a basic excess that reduces over time and fixed premiums.*
Learn More
A South African mother and her daughter smile while they kneel in front of their new car, which has affordable third-party car insurance with PMD.
Third-Party PLUS
Third-party car insurance protection with growing cover that protects your car in the event of an accident.
Learn More

Get a quote in under 5 minutes or buy your car insurance online

Motor insurance is a must before you get behind the wheel. We've made it easy to quote and buy online.

A laptop is open with its web browser on the PMD website's online car insurance buying page.
We've made it easy to get a quote online
  • Get a quick quote, specifically for you
  • Enjoy fixed premiums for 24 months at a time*
  • Reduce-to-zero excess*
Get A Quote
A South African man navigates the PMD website for a car insurance quote on his laptop.
Buy your car insurance online today!
  • Buy your car insurance quickly and easily
  • Enjoy premiums that remain fixed for 24 months*
  • It's all online, any time, any where
Buy now

How to find the best car insurance quotes

Any motorist would love to pay a car insurance premium that is as low as possible. For many, family budgets are stretched to the limit. So how can you find the best car insurance quotes now?


 

Disclaimer

Because car insurance is complicated, this article must only be viewed as providing information. Please consult a certified, financial advisor who can give you professional advice on any insurance aspects. 

 

First establish what kind of cover you want

It’s no good asking for quotes from companies when you don’t really know or understand what you want cover for. Do you want to have comprehensive car insurance or just third party cover? By going online, find out what reputable car insurance companies are offering.2 Draw up a list of boxes that you would like to see ticked with any insurance quote. By submitting the same specifications (your driving history and requirements) to many insurers, you’ll be comparing apples with apples when it comes to their quotes.

 

How much excess are you prepared to pay?

The higher the excess, the lower the premium. You need to decide the maximum amount of excess you can afford to pay out should you have an accident. 2

 

Does the quote include car hire and 24/7 roadside assistance?

Having car hire3 and 24/7 roadside assistance are just two examples that could be part of your cover specifications. The quote may be low, but can you afford to be without car hire, when your job totally relies on you having a car? Can you afford not to have 24/7 roadside assistance in this day and age in South Africa? ‘Yes, but I have a few friends who can tow me’, you may say. When it comes to crunch time, will they be available? The above shows how you can draw up the specifications you want to have. After that, you can start getting quotes from various companies.

 

It's what is it says in the policy that counts

Many motorists just go for the lowest premium the insurer is offering. But isn’t that a bit risky? You may be paying R500 a month less on a premium, but what happens when it comes to claim time? You may discover to your horror that some items you thought were covered were actually not. By all means select a company that is offering low premiums, but closely examine their policy, to see if it covers all that you want covered. 3 Perhaps, some cover has slipped in which you don’t want, but would be paying for.

 

Ask the insurer to assist you in reducing your premium

You’ve found a reputable insurance company whose quote is a little outside your budget. However, the quote covers all the items you want covered. Why not sit down with the insurer and work out the best scenario to fit your budget? Perhaps you can obtain a discount by transferring say a life policy from another insurer to this one.3

  

Ask the insurer to assist you in reducing your premium

You’ve found a reputable insurance company whose quote is a little outside your budget. However, the quote covers all the items you want covered. Why not sit down with the insurer and work out the best scenario to fit your budget? 3

  

What if you don't understand the policy?

Many motorists live in the fast lane, and haven’t the time to read and understand a policy’s contents, especially when it comes to the small print.2 Thus, contact a consultant, who can explain anything you don’t understand. 3 For example, a policy may have a restriction of not covering your car when driving on dirt roads. Knowing this would make you avoid driving on dirt roads as much as possible.

  

For the best car insurance quote try PMD

Now that you have an idea of how to find the best quotes, why not contact PMD for an affordable car insurance quote? If you are satisfied, you can purchase insurance, using PMD’s Online Insurance Purchase Platform, from the comfort of your home any time that is suitable for you. If you need help, a call-back facility is available. 



 

How to get the best car insurance deal
5 things to consider when choosing car insurance
Disclaimer

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Information contained within this website does not constitute financial advice. Please seek independent advice before considering acquiring any type of financial services product. Policy distributed by Prime Meridian Direct (Pty) Ltd. 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. Terms and Conditions apply. Standard SMS rates apply. Prime Meridian Direct is a member of the Direct Marketing Association of South Africa.