Our Car Insurance range offers you affordable benefits that can be customised to your needs.
| Comprehensive cover for:|
| 3rd party vehicle liability protection:|
Up to R1 Million per incident
| Covers your car:|
Up to 100% of its retail value
|24-hour roadside assistance and towing|
|Hail damage cover|
|Covers vehicles up to 15 years of age|
| Total loss cover for:|
| Minimum Cover Guarantee:|
Minimum accident damage cover guarantee
| Growing Cover:|
That contributes toward the cost of repairs in the case of an accident
| 3rd party vehicle liability protection:|
Up to R500 000 per incident
|24-hour roadside assistance and towing|
|Covers vehicles up to 15 years of age|
3rd Party PLUS
| Growing Cover:|
That contributes toward the cost of repairs or loss in the case of an accident
| 3rd party vehicle liability protection:|
Up to R500 000 per incident
| Covers your car:|
Up to 100% of its trade value
|Covers vehicles of any age|
Car insurance is a must before you get behind the wheel. We've made it easy to quote and buy online.
"To whom it may concern,
I just received a call from Ricardo with regards to an insurance query and I found his service to be at an impeccable level. He explained everything thoroughly and really made the process easy"
"My name is Jeff, Neli called me this morning, she is an excellent phone "whisperer" ...lol. She knows her stuff and her voice compliments her exceptional astuteness, thank you Neli"
"I would like to thank the prime meridian for the efforts that were taken to assist me with my claim. Thank you so much Bianca Gahler, you have been a great assistance to me, you response was so quick when comes to email."
"I write to you today with regards to the service I received from JEVANI NAIDOO. This was my first time taking out insurance and I must say it has been nothing but an absolute pleasure in dealing with PMD Jevani was patient and her product knowledge was amazing, she is kind, friendly and very professional - Not forgetting her prompt response time to queries. I would highly recommend PMD to my family and friends."
"#ChooseDay – I just want to talk about my experience with PMD. Please people, consider your car insurances. PMD does not have excess, neither do they make you pay more because you live in a township. I also had an accident and had only been with them for one month and they paid fully. PMD could help other people save money and still receive the best service!"
"I had the best quotation from PMD – couldn't believe your offer! And your sales agent – top quality."
"I'm now at ease knowing that I'm part of a family that not only has my interests at heart demonstrated by a premium that no other insurance provider could beat but also through the excellent ability to comprehensively execute, render and summarise what really is a great product!
Thank you PMD for such professional courtesy. Through New Business Professionals like your Mr Mnci, I foresee this relationship going a long way."
"I claimed twice last year and both claims were paid without delays. Recently things have been tough financially, however, PMD reduced my premiums by almost a half. Something I like most about PMD are their consultants - they are humble and so understanding. PMD IS THE BEST!"
"Thank you PMD! My car is back and looking newer than when it went to the panel beater. And all this happened without any excess or even having to go around looking for quotations. Much appreciated 👏🏽!"
"This is my second insurer. I have not had any problem. I love the fact that my premiums are affordable and I was recently involved in an accident and the claiming went smooth and it was approved, and on top of that, they will not change my monthly premiums to a new amount because of my recent claim. So for that am a happy client of Prime Meridian Direct (PMD)."
"The most affordable, the best assistance to be honest. Never had a claim issue. Very good customer service. PMD U ROCK!"
"PMD is absolutely lucky to have Kagiso - she made me feel at ease, laughs a lot, is patient, apologised even when she kept me waiting for seconds only. I am well informed by her explanation. Thanks"
"I would like to say thank you to Athembele for such a great service while quoting and creating a policy for me. Athe is so knowledgeable, patient and so friendly and made me feel that I am a very important client. I was furthermore impressed when he provided me with his direct line so that I am able to contact him should I have any query, this is awesome and makes me trust PMD even more. Thank you for such a great service :-)"
"What a pleasure it was dealing with Thuto. He was very professional but personable and relatable. I hope this is an indication of the kind of service I can look forward to receiving in the future."
"Great client service Interaction!"
"Thanks a lot! I had good communication with you now I'm a new client with PMD."
"I recently enquired with PMD for a competitive quote on car insurance. I was assisted by Mandla, an extremely helpful individual. This was the most efficient quotation process experience of all quotes I have received, after searching for over a month. Thank you for the great service."
"The excellent service of Mandla was the highlight of my quotation process. He was patient and very professional whilst describing details in regards to the policy. Altogether a very friendly gentleman with well-pleasing service. 5 Star rating indeed! "
"I am writing this to personally compliment you on the exceptional customer service delivered me today over the phone. The sales staff at Prime Meridian Direct are very professional. They know their products very well and listen to each and every query with patience and then provide a clear explanation to any questions raised. I would like to congratulate the competent staff for providing me with the exact solution that I was looking for, a comprehensive vehicle insurance policy."
"10 out of 10 Sales Team!"
"I would just like to take the time to compliment you guys on a service well done. I would like to especially compliment the way my claim was handled, with such haste and efficiency. I am definitely proud to be a part of such a great family."
"Great client service - 10 out of 10!"
"I spoke to Mr Athembele about my new policy. His service was very good. Thank you."
"Your agent was very helpful and she had a lovely personality."
"The claims agents assisted me with my claim which had so many ups and downs. They were able to calm me down when I was having a difficult time with the first repairer and were very understanding and helpful after I had moved my car to a different repairer. I am so thankful to each of them and command their spectacular service."
"I rate PMD 10 out of 10 in their client service!"
"8 out of 10! Thank you :)"
"My sister told me about PMD. Their agent was so helpful and made getting cover so easy."
"A 10 out of 10 rating! The sales agent that helped me was so patient and good with product knowledge. All the policy details were explained well."
"7 out of 10 Rating! Thank you for great client service."
"I was so happy with the person who spoke to me and the low premiums!"
"Wow service most definitely! The agent explained everything to me in detail and she sounds very humble whilst we were talking. Thank you for your service. Your agents have very good telephonic etiquette."
"10 out of 10! Your agent explained everything to me very clearly and it was easy for me to understand."
"I rate you 10 out of 10 PMD! Client Services professional was excellent."
"The client service agent spoke so clearly and called me back immediately after I asked. Their agents know their products and explain in detail."
"10 out of 10! Very good"
"Thank you so much! A friendly consultant contacted me. Your service is always good."
"I'd like to rate your service 10 out of 10 - it's wonderful! The agent I spoke with has a warm personality."
"I just wanna say thank you to the consultant who helped me. Great service indeed. I was able to save on my premiums.
Obrigado... I am one of your loyal customers."
"Good client service needs to be appreciated! You guys are the best...Thank You."
"10 out of 10 Client Service!"
"The Client Services lady who assisted me was extremely helpful, professional and patient. I really enjoyed my experience with her. Thank you!"
"I haven’t had such fast, convenient service from any insurer before. The agent I dealt with was nice and extremely helpful and made my life a lot easier when dealing with the car dealership. If everyone worked the way he did then all clients could walk away with insurance in less than a few hours. Extremely satisfied."
"I wish to compliment your agent for excellent service. Also I have received the best quote for my car insurance. I truly recommend my friends and family to PMD and rate your service 8/10."
"I would just like to give a huge shout out to one of your agents – 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. Not to mention the fact that your premiums are out of this world. She enjoys her job and her interaction with me made that apparent."
"I’d like to compliment you for the great and efficient service provided to me. Your agent went the extra mile and was very patient and professional. I really don’t know when was the last time I received such great service. I am truly humbled and I must say your agent is a great representative for the company. She really strives for the best in providing an exceptional customer experience. I am happy to be part of PMD family. Thanks once again for your great service – you’re the best 😊"
"My car is fixed as my claim was approved with only 1 premium paid. Guys you really keep your promises to your clients. I am so happy and I will be PMD customer forever. I wrote compliments at Hello Peter and am already advertising PMD to social media. Thank you so much guys – you are the only insurance company I can trust."
"Wow! Amazing service, especially in comparison to other insurers I've had to deal with. Premiums are way lower than expected with the same cover. Thank you to Dominic (the sales person I spoke with) for such an easy experience :) Would definitely recommend!"
"I had the pleasure of being assisted by a lovely lady when I claimed for the repair of my car recently. I was stunned by the number of updates I received. I must say I am extremely happy with the manner in which my claim was handled, especially since my accident involved a taxi (which usually ends up very sour). Avela Mbilini has left me with nothing but a smile on my face. I was ready to panic but her support strategy calmed me down. I am sure to broadcast to many that PMD is actually an ideal insurer after all."
"Thank you so much Buhle for your assistance. You made it so much easier compared to what I've heard if one wants to take out insurance on a vehicle. Five stars will be underrating to the service you have provided to me. You deserve ten stars and a trophy! Thank you once again for such professionalism, understanding and patience. The world needs more of you!"
"A PMD agent just helped me make an adjustment on my policy. She was extremely helpful and friendly. She knew exactly what she was doing, no hesitations and no awkward pauses. She is well informed and very efficient. Much appreciated, thank you."
"I would like to thank Isago for excellent customer service. She endeavoured to satisfy my request at first contact and was professional at all times."
"What great service – professional, quick and very considerate. I am a happy client."
"I contacted PMD regarding a new insurance policy for my wife and was assisted by Sherwin. Great service indeed! He explained everything in detail and clearly. I would give him 10/10 if that was the rating scale used. I am sure other policyholders are also happy with his service and telephone etiquette – well mannered and professional. Thank you."
"I would like to extend words of appreciation to Nonkululeko Madi. Through this difficult time, she has been of great assistance to me. She went beyond her line of duty and helped ease my situation the best way she could. Thank you so much Nonkululeko! "
"I am writing this to personally compliment you on your exceptional customer service delivered me today over the phone. The sales staff at PMD are very professional. They know their products very well and listen to each and every query with patience and then provide a clear explanation to any questions raised. I would like to congratulate the competent staff for providing me with the exact solution that I was looking for, a comprehensive vehicle insurance policy."
"I'd just like to pass my regards to PMD on their roadside assistance. Excellent service from both the tow service and PMD. Happy customer of almost 2 years. I was efficiently assisted on the 1st day of level 3 which had a large increase in traffic."
"Great service I received from all the guys who assisted me with the claims they were so helpful and courteous. Keep up with the WOW service. I am so proud to be your customer."
"I had an accident on the 4th of June 2020, I lodged my claim on the 5th of June 2020 and my claim was approved on the 12th of June 2020! I’m happy with the service I got from PMD professionals such as Jevani Nairobi, Naledi, Nomusa and Kelebogile. So my advice to all PMD potential clients, make sure you understand the product you have signed up for to avoid confusion. PMD is a good insurer. I will stay with PMD even after my vehicle has been fixed. Thanks for your excellent service."
"Received great service. They explained everything in detail. Happy to be part of the PMD family!"
"Would just like to compliment Isago Kaitshane the great service she gave me today regarding an enquiry I had. She was a so friendly over the phone and assisted me timeously. I really cannot explain how happy I am with the service of PMD. Keep up the good work guys and I wish the world could know."
"Thanks a lot PMD – my claim was approved yesterday. I was in an accident on the 11th of June and received positive response from you guy yesterday. PMD is the best. Iwill definitely insure my other car with you guys."
"I would like to take this moment to appreciate and applaud PMD for their excellent service with the insurance. I'm so glad to be back in the PMD Family. My day is made and I will definitely recommend PMD insurance to family and friends."
"I'd like to thank PMD for your service and well-explained presentation from your consultant Nelson. I give him 100%. He explained everything to me clearly, fully and I got a package which I'm extremely happy with."
"I would like to thank and compliment Xolani on his excellent service. I am an extremely difficult client and I push to the limit. Xolani was calm and efficient, as well as kind and caring, going over and beyond to make me happy and ensure that I stay with PMD. His assistance is a prime example of why I stay with PMD. Thanking you for all your assistance thus far it is appreciated. #HappyClient."
"I just want to compliment Rodney – his service was the best and it was easy to communicate with him. Keep it up Rodney."
"The level of professionalism Thabiso displayed during our interaction is unique, positioning the product offer in a simple and convenient manner. She started calling me from the beginning of the month. I took my time to investigate more about the company. She was very patient with me and checked regularly to see if I have taken a decision. She made me feel in control and valued."
"Thank you so much for the quick response I got on my claim. It was approved in a few days. Happy customer!"
"I want you to know how much I appreciate the excellent service you provided on Tuesday 22/07/2020 when I took out comprehensive insurance for my car. Sewela, you were the best agent to deal with. Attention to detail, great communication skills, and ready to help and explain in detail about the cover. You made the experience even better than I expected. I will definitely tell my family members to talk to you when they move to PMD. I am definitely telling them to change their Insurance to PMD. Thank you for your excellent service."
"10/10 Rating! My premium has been reduced as per my request. Thank you PMD. "
"10/10 Rating! Sewela Dikgale knows how to interact with a client. She’s very patient and kind. She gives excellent service."
"I hereby to applaud Tsholofelo Tladinyane and her professionalism, her intelligence and taking responsibility for her clients. She's the best - now I'm satisfied and happy. The App is also great and I managed to verify and process everything. Thank you very much Tsholo and PMD team. As large as the pictures were, all downloaded easily on the App. Also, No hidden costs, no admin fees and with all of this I'm happy and believe to have a great journey with PMD. "
"Such friendliness! Everything was explained perfectly to me so that I understood. Made sure I was happy with the info I received."
"I would like to compliment Mr Thuto Montjane for his great service."
"10/10 rating! I had a small accident and put in a claim via the PMD app. I received a callback and everything was handled very successfully. My car has been repaired and I'm happy. Thank you PMD."
"Ashley made it easy for me to understand the insurance cover I wanted and went out of his way to contact the dealer and me. Very patient with the client, talks clearly and listened to me and answered every question I had. I'm happy I joined PMD."
"10/10 rating! Dominic was very professional and helpful."
"I had a claim with PMD and it took them 7 working days to have the claim approved. Everything was transparent and they asked reasonable questions in order to further process my claim. They gave me an option of three panel beaters to choose from, however, they also gave me the option of any SAMBRA approved body repairer of my choice. The call centre is also quick – I did not have to stay on the line so long."
"I am not a client of PMD but I would like to compliment their online insurance quote system! I'm sure there are many others like me who are no longer a fan of getting insurance calls."
"PMD offer affordable premiums. Thanks PMD!"
"PMD is good insurance. They don't give problems on your claim. I recommend people to join it rather than driving without an insurance."
"I'm also a happy client at PMD. In November 2019 they were able to fix a minor accident without me having to pay an excess. Thank you to Gugu Ngubane at the claims office for her excellent service & assistance. This year in January I bought a new car and took comprehensive cover. I was assisted by Tshepo Motlhabi who was also very helpful in getting me the best premium for my car."
"Thank you for the outstanding service. As a customer, I am very happy to say that you have really helped me in these difficult times and made it very easy to claim. I am happy to be a part of the PMD family."
"Level of professionalism was great, straight to the point. I was really impressed."
"I'm a recent customer, switched from Outsurance because of low premium but expected low-level service. I've since had an incident where my car wouldn't start at home and I used the PMD Mobile app and they were there in a flash. This past weekend I was in a deep rural area and I had an unfortunate incident of locking my keys in the car and I contacted PMD, and within an hour my door was unlocked, no questions asked. Thank you PMD."
"Guys am so happy about your service - my claim was paid in a short time. Thanks PMD."
"Thank you for the service last night! I had a burst tyre and from the customer service agent to the tow truck guy - PMD jou lekker ding."
"On Friday the 31/07/2020, I called in in regards to my claim and the unbelievable service and help I got from, Isago Kaitshane really solidified my trust in PMD. The young lady was kind, peaceful, respectful, patient and very friendly. Isago really went the extra mile to help me when I desperately needed it. PMD, please never lose such a team player. She is one beautiful soul that cares about the service PMD offers to its clients. What she did for me and my family will never be forgotten. Her level of help and support deserves a 100/100 rating! I thank Isago for the outstanding service and help she provided for me."
"PMD Team, I would like to thank you guys for helping me with my car - it is now fixed I am so happy. In fact, I am out of words - I don’t regret having you as my car insurer. Even with my first car, PMD never let me down. PMD is my strong back up…thank you so much!"
"I would like to compliment Andiswa for excellent service and her willingness to answer every question posed."
"Best insurance ever! Thanks to PMD, in 2 weeks my claim was approved. I am definitely coming back to PMD as soon I get my new car."
"Thank you so much for car insurance PMD. I would most like to thank Thuto for explaining everything and giving me great affordable cover! Thank you."
"Thank you so much to Yazi and her patience with me. It's really appreciated. "
"I would like to compliment Komotso on her excellent professionalism and consideration towards a client like me. She answered all my questions in a professional manner and was able to alleviate all my uncertainties of the product. All thumbs up for her. Wishing her well on her professional journey. Thank you."
"PMD you are great. There is no insurance like PMD in SA!"
"Best car insurance by far!"
"Guys please join this insurance, they very helpful."
"Credit needs to be given where it's due. I'd recommend PMD any day to anyone. Big up man!"
"I love PMD. I was involved in a car accident on the 17th of March 2020. I called them and they towed my car for assessment. They approved my claim. I really appreciate PMD. Within 30 days my car was fixed. I'd recommend PMD to everyone."
"Excellent! I'm happy."
"Yesterday I joined the PMD family and guess what? Mbalenhle Magadi was excellent. She made me like the product and I was convinced because of the great service she gave me. A wonderful lady who really knows what she is selling and she is so clear and humble. Above all, I am happy to join PMD hope will work together regardless."
"Thank you Ashton for the good service, advice and care during our call earlier this morning. Much appreciated. Hope that this type of service will last for ever!"
"The fact that I asked mt PMD agent to phone me back and she did! I had so many questions just to be 100% sure and she was very helpful and patient."
"I have been a policyholder with PMD for about a year now. All my dealings with PMD have always been good and service is always on par, as expected. Ricardo was very helpful and his client interaction levels/skill was very professional and on point. In this “unliked” industry it is a quality that few possess. I see a very bright future for him. He is definitely a great asset to PMD. He exceeded my own expectations and for that, I am truly grateful. Ricardo is a star!"
"I would like to take this time to compliment, appreciate and give my vote of confidence to Isago Kaitshane for the efficiency and integrity she conveyed when assisting me with my claim today. It certainly made my day and I wish her the best of prosperity in what she does."
"Very helpful. They were clear and explained everything and answered important questions I asked. Thandi was amazing."
"I would like to inform you of the outstanding service that I have received from Malebo. It's not common to find a consultant to assist you in the way I have been assisted by Malebo."
"I would like to express my gratitude to Isago Kaitshane. The best consultant I've ever interacted with. Big up to you Isago."
"I have had an absolutely amazing experience with PMD car insurance! They made it surprisingly easy for me to sign up. Whenever you phone PMD you can be certain that a very friendly, helpful, and professional staff member will be on the other side of the line. They are all willing to go the extra mile to help! I recommend PMD to anybody and I am going to insure my next car with PMD with complete peace of mind."
"I want to give a shout out to Mpho, who was so diligent, friendly and professional in organising car hire for me! He put me back on the road within a few days of my car being stolen. He accompanied me in the car hire process until he made sure I collected the vehicle and was happy with it. Ntombi, my claim administrator who has been absolutely stunning all through the process, was on the ball from day one and has been surprisingly diligent, helpful, friendly and transparent throughout my claim process. She kept in touch with me and kept me informed at every single stage. PMD settled my claim so quickly with no fuss and no hassle whatsoever. "
"I would like to compliment Ashley for his great client services. As a new buyer, I am really impressed with his patience while I ask a lot of questions. Thank you so much Ashley. I really appreciate your service and I'll definitely recommend PMD to my family and friends because of your great client service."
"I would like to send my deepest regards to Yvonne as she has proved that she is not just doing her job well but also cares for her customers. She helped me with all that I needed in just 1 short call, very efficiently and quickly. She is one of the best assets for PMD and I wish her the best."
"I would like to pass my gratitude and compliment the excellent service provided by Mpho. His willingness to go the extra mileis part of his work. He makes sure he represents PMD's values in all he does. He’s friendly and very respectful. Best of all, he returns calls in a short period of time. He’s a genius!"
"I would like to say thank you to Naledi for assisting me so efficiently today. I ran out of airtime and he called me back and my issue was resolved in under a minute."
"I am fully satisfied with your service. You are the best insurance guys, I appreciate your effort and I won't hesitate to recommend people to PMD because you are the best. Your service is excellent."
"I would like to compliment Nombulelo Sojada for the good service she offer when I was calling to change to my policy, She assisted me nicely and was so friendly, without any problem. To PMD, I really emphasise that you are lucky and blessed to have an employee like Nombulelo who able to handle your clients with a respect."
"Nombulelo Sojada gave me an exceptional service of 10 out of 10. Thank you."
"I would like to thank Naledi for the wonderful service. I hereby rate him 10 out of 10. Thank you very much for the wonderful service."
"I would really like to warm-heartedly thank Rodney Mdluli for his A+ service. He layed every single detail on the table for me and made things easy for me to understand. He is definitely the best!"
"I'd like to say a very big thank you to Thembile for the amazing service today. He made the whole process which would normally be stressful, a very pleasant one. I'm happy to have saved around R500 with his help. You guys have a gem with Thembile."
"I would like to compliment your best assistance or service this morning It's highly appreciated. Continue doing what is best for you."
"Gugu Ncube is the best. 10/10"
"Thank you for your service. Very professionally done. Thank you"
"From day one everybody that helped me was amazing. Their service was the best. They listen to me and asked me questions. I say thank you to everyone for the fantastic service - the best I've got in years."
"My heartfelt gratitude and grateful thank you to Mpho and Estelle for their commendable service and dedication shown as ambassadors for PMD. They executed and delivered on my unforeseen claim. Going the extra mile for me as well as my referrals. Always on duty and performing under lockdown with true professionalism. I sincerely thank you guys for everything even going beyond the call of duty."
"I just want to compliment all your staff for really great service. From the beginning of putting in my claim, the staff were phoning me constantly to keep me updated with the status of my claim, without any issues. I didn't have one person that wasn't friendly, helpful and they always responded to all my emails very timeously. Even after my claim had been settled and I had a question my email was responded to and I was phoned and helped by a very friendly Ayanda. Thank you so much to everyone."
"Great service at Prime Meridian Direct (PMD). My claim was finalised within 3 days. Relationships are a two-way street, PMD understands this very well. If you take, you must also give. PMD truly understands the value of their clients' money. PMD provides outstanding service, effectively. My car accident claim was finalised and paid out within 3 days. I have had it worst from other insurers - to an extent of 2 months waiting and anticipating. So big ups to PMD."
"I would like to thank Thuto from PMD. He made everything easier – even understanding more about the Insurance. It was like talking to family. I understood everything and he gave me a chance to raise questions. Thank you very much."
"To Mpho at PMD - 10 out of 10! You did me proud. And saved my wallet from burning. You are brilliant at what you do. There are NO words to explain my gratitude to you. Thank you from the very bottom of both my heart and soul."
"I would like to compliment Sthembiso for the good service he gave me."
"Fantastic Service from Kgomotso. Thank you and keep up the energy and enthusiasm."
"Just want to give words of happiness and excitement based on the service I got from Lwazi Jengu. It was so easy to shift from the old car insurance to PMD."
"Excellent service - Rodney Mduli managed to sort out my problem within less than half a day. I appreciate the fast help in today's stressful time you don't need your insurance to also add to your stress. Rodney made sure to relieve me from that stress today. Thank you very much."
"I would like to commend Nomusa Sithole on her good work. She assisted me the first time I called with professionalism and politeness. Keep up the good work Nomusa"
"Yazi was a great consultant very professional. She took her time to explain step by step my new policy. And she made me feel at ease. I'm very happy and hope that all PMD consultants are like her. Thank you so much gal."
"I want to thank Lungile Maseko for the great service. I really would just like to thank her for listening to me and also getting back to me with the answers to my questions. I really do appreciate your help and you just made me relaxed. I'm happy!"
"I just want to say well done on employing such an awesome people’s person! Ashley really helped me a lot, explained everything perfectly, and really made my day with his friendly service! 10/10!"
"Patient, friendly, happy professional tone. Kamo knows her stuff."
"I have recently got assisted by Nomusa Sithole with my claim and I am extremely happy with the level of her professionalism, patience, and excellent service. Much appreciated. Thanks a million for your kindness Nomusa."
"I can only say positive things about themPMD. 5 claims I've made - angizange nga experience any problems. In the last accident my car was written off they paid up all the retail value amount and the shortfall. They also settled the remaining amount if I have to go for insurance again will consider them as my first option. So for me, PMD uNumber 1."
"Today I phoned the PMD call center to update my residential address. I spoke to a lady named Yvonne Mudau. This woman was brilliant! She was so patient - I had so many questions and concerns about my policy but she dealt with them in such a respectful manner and made sure that I understood exactly what I was covered for. I am so pleased with the service I received from her. These are the type of agents we want to speak to when we phone in. Great stuff Ms Mudau!"
"I would like to compliment Zolani Ngwenya who I found to be the best. I wanted to cancel my policy but Praise God I was speaking to Mr. Zolani. I have big respect for you sir. You are the best and your job suits you well."
"I would like to express my gratitude for the service I received at PMD. Thank you so much for fixing my car. It was easy to claim and it took 3 days to get approval. PMD is the best insurance in South Africa. It provides great premiums. Ever since I joined you from my previous insurance last year I'm the happiest client ever! I now save more money and my claims are paid. Your staff is trained professionally and they are all friendly and helpful. The lady who helped during the claim was very wonderful. I am proud to be a PMD member."
"I'm very happy with the way my claim was assessed and happier with the help I got from Mojaki. She is brilliant and very helpful. I am looking forward to spending more years with PMD - THE BEST!"
"To Joel Molefe from Prime Meridian Direct - his service and customer interaction was amazing. I took out car insurance for the first time and he was very patient with me and explained everything step by step."
"Excellent service. Sewela is a very professional consultant. I would recommend her any day."
"I really enjoyed speaking to Lucian Reddy today. He just made my day. Thank you so much for all the effort you put it, I really appreciate it."
"10 out of 10 rating to everyone in the claim process. My claim was attended to as a matter of urgency. I registered a car hire claim which was sorted out on the same day. My car was fixed and l was satisfied with the work. I got my car back in less than 28 days. l really appreciate that kind of service. l will stay with PMD."
"I would like to take this time to give PMD a well-deserved review! Just some background, on the 1st of September, I had my new car and was with PMD insurance for only 2 weeks, when a motorcycle skipped a robot and T-boned the car. If you could imagine the anxiety this caused, I was fearful that due to my new track record at PMD, they would not approve the claim. However, after about 2 weeks (this is an understandable time frame considering the circumstances.) I received the call to advise that the claim has been approved. On the 23rd of Sept, I took my car to be repaired, and on the 20th of Oct, I received it back. I would like to thank PMD for their assistance, service as well as their commitment to providing ease of mind to their clients! I would also like to give Mpho Nkosi (Claims Service Team Leader) a massive shout out. He is highly efficient, extremely friendly, courteous, and just fantastic at what he does! I would highly recommend PMD, not only for the experience they provide to clients but also for the unbeatable quotes they offer."
"Thank you for your excellent service l really appreciate it. Thanks for understanding."
"PMD I want to thank you for the very fair deal you gave me after my accident in Edenvale on October 25th. I was rear-ended by a car in Linksfield Rd. I just wanted to express my satisfaction so that people can see what a great insurance company you guys are!"
We all want to find the best deal on car insurance. It should be cheap and cover everything that we need car insurance to cover too. Car insurance calculators are often used. In the old days, a car insurance calculator used a small number of elementary parameters. However, today, companies have advanced greatly in calculating car insurance, using complex parameters. Read on and find out what influences your premium.
Because car insurance is complicated, we advise readers to consider this article as only information. If you are interested in purchasing car insurance, please consult a certified, financial advisor for professional advice.
Insurers mostly provide cover based on the car’s ‘market value’.1 The market value is the average of the trade-in value, which is the lowest, and the retail price, which is the highest.
A trade-in price is what a dealership offers to take off the purchase price of a new car when you trade in your old car. The price is set by the dealership. A retail price of your car is the average price that a dealer will sell your car for. Insurers provide a discount if you insure your car for its market value.1
It’s a no-brainer that the value of the make and model of your car will greatly influence the premium. A premium to insure an expensive, luxury SUV will be a lot more than one used for insuring a small city car. Some cars are expensive to maintain, due to expensive spare parts.1 Other cars are more sought-after by thieves and hijackers. The insurer bases premiums on data from claim histories of all the various makes and models.
Usually, the older your car, the less its market value, and the lower will be the premium.1
Insurance is all about risk. The higher the risk to insure a particular car, the higher the premium. Fast sports cars with young drivers are at greater risk of having an accident compared to an adult driving a standard sedan. Thus, premiums for the former car are considerably higher.1 Conversely, if the risk is decreased by adding safety features to a car, the premium could be lowered.
Should you choose to cover your car with comprehensive car insurance, the premium will rise steeply. The reason for this is that your car is covered ‘comprehensively’ or completely, and hence the higher premiums. Third party car insurance provides limited cover and thus has a lower premium.1
Some insurance companies discount your premiums if you have other policies, such as life insurance, with them as well.1
You can do nothing about calculations based on the following parameters because they represent who you are.1
Again, it always comes down to risk. Young drivers, especially those below 21, are considerably less experienced and thus pose a greater risk on the roads compared to adults who have had many years of driving experience. Thus, young drivers have to pay a higher premium compared to older drivers. Be honest and fully inform the insurer who is the regular driver, to avoid possible rejection of a claim at a later stage.1
Statistics show that young male drivers under the age of 25 are at greater risk and are thus charged higher premiums compared to corresponding female drivers.1
Drivers who are professionals in science, medicine, engineering, and so on, statistically pose a low risk. As a result, insurers offer them discounted premiums.1
Insurers have found that, statistically, married drivers are less risky compared to single drivers, and thus are offered discounts.1
Drivers that have hardly claimed anything over several years are considered low risk and thus qualify for lower premiums, and no-claim bonuses. Drivers who start off with no driving history are initially charged higher premiums.1
Some insurance companies raise premiums if policyholders live and work in risky and maybe dangerous areas.1
By adding security features to your car such as anti-hijack and tracking systems will reduce risk and premiums.1
Using your car most of the time for business means you travel more and are thus exposed to greater risk. This means the premium will go up.1
The higher the excess, the lower the premiums are likely to be.1,2
Insurers prefer offering lower premiums to those drivers who are responsible with their finances.1
Benefits such as 24/7 roadside assistance may be part of your premium. You can lower your premium by canceling them but think carefully before you do so.
Now that you have read all about what affects car insurance premiums, make sure your car is adequately covered by buying cheap car insurance products with PMD (Prime Meridian Direct). It’s easy and quick – just go online with PMD’s Online Insurance Purchase Platform. You can do this at any time of the night or day, and make use of a call-back facility if you want to. Audio and video material are provided for extra assistance.
Online shopping continues to grow in popularity in South Africa. An ‘Online Retail in South Africa’ research study was carried out by World Wide Worx, which revealed that there was a 25% year-on-year growth in online shopping in 2018.
Is it the same for car insurance? Do people like buying car insurance online too? Buying car insurance online can save you time and you can buy it at any time which means you don’t have to squeeze it in during office hours. You could research a wide range of insurers online and make your choice when you’re happy, all without making or taking a single call.
The key to online shopping success for companies is to make it as easy as possible for customers. Some may argue that it is easier to buy something over the phone compared to filling out pages of information online. Nevertheless, some insurers have made it as easy and logical a process as possible. The latest IT technology allows website owners to constantly improve their online buying processes by studying how consumers behave on their websites.
Most leading insurers have embraced the online shopping trend and promote and sell car insurance online now.
It is true that insurers are catering for the part of the population that is digitally savvy. However, some South Africans still prefer to make purchases the traditional way, whether it is instore or via a telesales person.
More individuals’ perceptions about shopping online will change over time as the online shopping trend further matures. For example, many people didn’t’ trust online banking in the past but now, in 2019, banks are closing branches because people’s online banking habits reducing the need for them.
This trend is also evident in the online self-service sector. For example, MultiChoice, the owner of DStv, announced that they would restructure their workforce based on changing consumer behaviour, as more people interacted with the company online than in the past.
It is fascinating to see this growth in online shopping. According to a recent research study by the University of South Africa, many respondents were concerned about the security of their financial data when participating in shopping. Overall, they were more concerned about their online transactions’ security compared to face-to-face transactions.
Consumer buyer behaviour is intriguing because of financial crime occurring face-to-face too, whether it is card skimming during a transaction at a point-of-sale in a store, or someone being robbed at an ATM.
Either way, banks, in many cases, usually refund people who have been victims of financial crime. Every bank has its own terms and conditions. Therefore, we recommend that you confirm what and when your bank covers you in terms of fraud.
Like online retail stores, car insurance company websites make use of effective security measures which protect consumer information Not only is it in the insurers’ best interests, but it is also required by law (see for example the conditions contained in the POPI Act).
South African companies have, and continue to, invest in online security. PwC revealed, from its research, that SA companies actively combat economic-related crimes and 44% of all South African companies increased their expenditure on fighting fraud since 2016.
When it comes to buying anything online, follow the standard safety precautions. Make sure it is a legitimate website from an insurer before you share your financial information.
Buying car insurance isn’t the same as buying socks online. So, we recommend that you seek qualified financial advice before you buy car insurance regardless of how you decide to buy car insurance. Always read the terms and conditions and spend your time comparing every facet of insurers’ products before you make your final choice.
Buying products online is convenient and generally secure. Online stores and insurers usually make every effort to provide excellent customer care too.
Are you looking for affordable car insurance? Why not get an online quote or buy car insurance online with PMD?