Previously Prime Meridian Direct (PMD) Prime Meridian Direct

Prime Third-Party PLUS Car insurance supercharged with Growing Cover

3PPCar1
3PPCar1

Your included benefits, unique to Prime

Included unique benefits:

“The service is super extra and satisfying. They are always one call away to help. I am really happy with their service at all times. ” - Edith Ntswe

See what else is included

Not just any third-party car insurance

Affordable cover with our unique Growing Cover benefit that also protects your car

Cover for your car

  • SmallBenefitsIcon_ThirdParty
    Third-party liability protection
    Enjoy up to R500,000 liability cover if you accidentally damage another person’s car or property.
  • SmallBenefitsIcon_Hail
    Hail damage cover
    If your car is damaged as a result of hail fall, you’re covered for up to R10,000.
  • SmallBenefitsIcon_RetailCover
    100% trade value cover
    Feel good knowing that you’re insured right up to the full trade value of your car.
  • UniqueBenefitIcon_GrowingCover
    Growing Accident Cover
    Enjoy growing accident cover. Your cover grows by up to R4,000 p.m. (plan dependent)*

Optional extras

  • SmallBenefitsIcon_CarHire
    Car hire
    Car in for damage repairs? No problem. Get up to 30 days car hire to keep you moving!
  • Windscreen Rider Teal
    Windscreen rider
    We will cover the repair or replacement of the front windscreen if it is accidentally damaged.
  • SmallBenefitsIcon_AdditionalDriver
    Additional drivers
    Add 2 additional drivers to your policy, over and above the 2 free regular drivers, for a small monthly fee.
  • SmallBenefitsIcon_TyreRim
    Tyre and rim cover
    Covers the cost of replacing or repairing your tyres and rims if they’re damaged by road hazards.
  • 24H-Road Side Assist Teal
    24-hour roadside assist
    Add roadside assist and rest easy knowing you’re never alone out there on the roads with our 24-Hour Roadside Assist.

Unique Prime benefits included with Third-Party PLUS

24-Month Fixed Premium Guarantee

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

Growing
Accident Cover

With each claim-free month, you’ll get growing cover for smaller accidents up to R4000 p/m. Plan dependent.

Unique Prime benefits included with Third-Party PLUS

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

Not quite what you're looking for?

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

Every South African driver deserves the peace of mind that comes with having trusted car insurance

Every South African driver deserves the peace of mind that comes with having trusted car insurance

Find out what others say about us…

Keep Prime close wherever you go

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

Everything you need to know about third-party car insurance

One person is on the phone, the second person is inspecting the damage after a collision, wondering if the car is written off
Third party cover is the least of the car insurance options, and yet critically important. Why should that be so? Let’s read on and find out.

What is third-party cover regarding car insurance?

Third party cover is a type of car insurance, which means exactly that. When you crash your car into another party’s car (a third party), then the insurer will pay out the damage caused to the third party’s car. Unfortunately, because this car insurance option invariably has the lowest premium, your car is not covered by most policies in the market. Thus, in the event of an accident, you may lose your car if it is a write-off, but at least you are covered for any damage to the third party’s car.

Where can I buy third party car insurance?

The modern trend is to buy car insurance online. An online car insurance quote ‘site aggregator’ can also be used, where quotes can be obtained from different insurers in a short period of time.

How do you buy third party car insurance?

Whether you purchase third party cover online or any other way, the rules remain the same. Whatever you do, be absolutely honest in answering all the questions. Some motorists have the mistaken view that some things need not be mentioned so that a lower premium can be negotiated. What such people don’t realise is that claim time is crunch time.

Avoid any possibility of your claim being rejected

In other words, at claim time, the insurer will ask you many questions regarding the accident, and that is when the truth will undoubtedly come out. Then comes the crunch – the entire claim could be rejected because your driver profile was not given honestly and correctly.

Ensure your car is roadworthy to avoid rejection of your claim

Yes, many motorists are not aware that, if your car’s tyres happen to be bald, or if the tyre tread is less than the legal depth at the time of an accident, you may fail to claim successfully.

Any rejection of a claim can be financially devastating

You can imagine how financially crippling a rejected claim can be. Yes, you have third party cover, but if that cover is rejected, you may be held fully liable for all damages incurred to the third party’s car. If that car happens to be the latest Porsche model, the damage could run into the hundreds of thousands of rands. Very few individuals in South Africa can afford to settle such a claim out of their own pockets.

Compulsory third party car insurance is sorely needed in South Africa

For years, the short-term insurance industry has pushed for the national implementation of compulsory third party car insurance. To date, unfortunately, nothing has materialised.

Why take a chance? Purchase affordable car insurance with Prime South Africa

We have read how important it is to have at least some car insurance such as third party cover, without which any accident can leave an uninsured motorist in a terrible financial state.

Prime sells affordable car insurance which you can purchase using their Online Insurance Purchase Platform. The entire process, which you can do from the comfort of your home or office at any time, is quick and easy. Should you encounter any problems, a call-back facility is available for you to use, as well as some audio and video materials.

Client review

Bonang Khoali shared her positive experience:

“Good day,

I would just like to give a huge shout out to one of your agents; Buhle, unfortunately, I do not know her surname. She was a star! Pleasant, articulate, timeous and could have sold me ice in the Antarctic. She is a keeper. She knows her stuff and related it in a manner that did not bore or have me wanting to get off the phone.

She enjoys her job and her interaction with me made that apparent. Not to mention the fact that your premiums are out of this world.

Thank you Buhle. Keep up the great work. GIVE THAT GIRL A BELLS!!!!

Regards…”

Disclaimer

This article is intended for information only. Because car insurance is complex, please seek professional advice from a financial advisor when considering purchasing a car insurance product.

Fill in your details and we'll call you back before you know it!

Type your message here. We look forward to hearing from you.

Full Name(Required)
Register_Man_01

Fill in your details and we'll get back to you as soon as possible

Register_Man_01

Thank you!

We’ll be in touch soon!