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 3rd party liability protection, per incident.
You are covered for the full trade value of your car.
Cover for smaller accidents in a growing benefit basis up to 100% of market value.
In the event that your vehicle is damaged through a hail storm, we will cover the professionally assessed cost of repairs.
24-hour Roadside assistance is available to you if you are in an accident or break down due to mechanical failure.
We will cover the repair or replacement of the front windscreen if it is accidentally damaged and requires replacement.
Reimbursement cover for any car hire costs following an incident involving your vehicle.
Add 2 additional drivers to your policy, over and above the 2 free nominated drivers, for a small monthly fee.
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.
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.
This article is intended for information only. Because car insurance is complex, please seek professional advice from a financial advisor when considering to purchase a car insurance product.
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 that 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.
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.
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.
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.
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.
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.
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.
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.
PMD 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.