Up to R500,000 third-party liability protection, per incident.
Cover for smaller accidents on a growing benefit basis up to 100% of market value.
Cover for hail damage up to R10,000.
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.
Cover for car hire costs following an incident involving your vehicle.
Add 2 additional drivers to your policy, over and above the 2 free regular drivers, for a small monthly fee.
Discover a range of car insurance options to suit your budget.
Before you get behind the wheel, get quality car insurance. Get a quote in 5 minutes or 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.
Bonang Khoali shared her positive experience:
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!!!!