You're covered if your vehicle is totally lost through accidental write-off, through natural fire and disaster as well as theft and hijacking.
Up to R500,000 third-party liability protection, per incident.
You are covered for the full market value of your car.
Cover for smaller accidents on a growing benefit basis up to 100% of market value.
24-hour roadside assistance is available to you if you are in an accident or break down due to mechanical failure.
Cover for hail damage up to R20,000.
We will cover the replacement of the glass if your vehicle's glass is accidentally damaged or requires replacement.
Cover for car hire costs following an incident involving your vehicle.
Cover for outstanding debt on financed vehicles with an activated Credit Shortfall Protection benefit.
Cover for any amount owing to your financial institution under a Credit Agreement in the event of your accidental death.
Add 2 additional drivers to your policy, over and above the 2 free regular drivers, for a small monthly fee.
We will cover the repair or replacement of tyres and the repair of rims that are damaged as a result of road hazards.
Discover a range of car insurance options to suit your budget.
Motor insurance is a must before you get behind the wheel. We've made it easy to quote and buy online.
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?
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.
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
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.
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.
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
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
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.
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.
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.
