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.
"I just received a call from PMD with regards to an insurance query and I found the service to be at an impeccable level. They explained everything thoroughly and really made the process easy."
"Neli called me this morning, she is an excellent phone "whisperer". She knows her stuff and her voice compliments her exceptional astuteness, thank you Neli."
"I would like to thank PMD 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 - your response was so quick."
"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 insurance. PMD 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 the fact that I was new to PMD, they would not approve the claim. However, after about 2 weeks (this is an understandable time frame considering the circumstances) I received a call to advise me that the claim had been approved. On the 23rd of September, I took my car to be repaired and, on the 20th of October I received it back. I would like to thank PMD for their assistance, service as well as their commitment to providing peace of mind to their clients! I would also like to give the Claims Service Team Leader, Mpho Nkosi, 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 assistance you gave me after my accident on October 25th. I just wanted to express my satisfaction so that people can see what a great insurance company you guys are!"
"The client service was best, the attitude 100%. I am happy with the sale I received. Definitely a keeper!"
"Was just great service! Sewela had the greatest patience and our interaction was just perfect. She made sure I understood everything, even those things I didn't understand when I first took car insurance with PMD. She is a humble person who has understanding. Above all, she is very patient and knows what she is doing. Thank you Sewela for everything - and for your time. It really shows that you love what you are doing. You even clarified all the myths we always hear about car insurance."
"Thanks for your great assistance regarding my policy."
"I had a stressful 20 minutes when I got an SMS from PMD stating that I didn’t pay my premiums and I’m no longer active. I called PMD only to be assisted by the sweet and beautiful Mojaki Molewa. She helped me throughout the process, assuring me all the way. I was so relieved. If I ever have a concern or question I want Mojaki to help me. She is thorough at explaining and, even though I was angry and confused, she was the best at giving all the information I needed. In her you have the best employee - so much so that I would never consider changing to any other insurance company. Keep it up Mojaki. "
"This mail serves to show an appreciation for the service I've received from: Kelebogile Rodney, Ayanda and more especially Pretty Nkathula. Thank you for coming to the party and making my claim a breeze. Great job!!!"
"I would like to express the service received from Mojaki Molewa, who was assisting me with my query. She was willing and happy to assist me with my request – and even went the extra mile of making sure my request was completed quickly, ensuring that I received an update accordingly – She is a STAR!!"
"I would hereby like to extend my greatest appreciation for the excellent service that I received from Nomusa Sithole during my claim. An Insurance claim is not one of the best experiences to go through, however, she made it the best one for me. Please keep up the excellent work and all of the best going forward. Much appreciated, thank you."
"I'd like to thank you for the excellent customer service you provided me with today. You were very polite and had so much patience, you took me through everything so carefully and explained it all well. Thank you for the excellent service! We need more consultants like you Thuto."
"I just want to say thumbs up to Rodney for a great service. Thank you and keep up the good work."
"I just wanted to let you know about the excellent service that I am getting from PMD through great service and timely updates from Yvonne Mudau. She is doing a great job - I am happy I chose PMD insurance. Thanks again Yvonne."
"I would like to take this opportunity to complement Ntombi for her outstanding performance while she assisted me with the good outcome of minor dents and scratches for my vehicle claim. She knows how to put the client's needs first. She's is the best!"
"Today is actually the anniversary of my association with PMD. I want to give thanks once again to you, Mpho, and the rest of your colleagues who assisted me during my unfortunate incident. Once again you went the extra mile and made certain of your commitment to me and my family that my car would be sorted out. I can humbly say that the service level, execution, and delivery from a project perspective is truly admirable, to say the least."
"I have been with PMD for 2 years and am happy you dealt very well with me during the time of my accident."
"I just want to say I'm humbled and grateful for the manner in which my claim was handled. I was confused, depressed, and vulnerable but your professionalism and sensitivity were above board. Keep up the good work."
"I just wanted to let you know that the service which I received from Thabiso was incredibly professional. If I was running a company I would definitely have offered her a job. She was not only very patient with me but remained friendly and kept her promises. When she said she would phone back she did and in spite of the fact that I ended up not using your services, she remained courteous and is indeed an excellent ambassador for your company."
"I'm very impressed with the way I was assisted by my insurer, PMD. My claim was sorted in such a short time it really makes a difference. I will go back to the road shortly thanks to you PMD."
"10/10! Well explained with patience, clarity, and respect."
"My name is Mr. Selema, I would like to send my gratitude to Tyler for the best service. I felt like royalty due to the way she handled my case. Thank you very much, my sister, for the best service."
"I just want to compliment Godfrey Molutsi. He has patience, a great sense of humour, and is willing to go the extra mile to make his clients happy. His service is perfect and I give him 100/100! Thank you!"
"No complications, you get what you want - quick and easy. Thank you."
"I just wanna pass a compliment to Thandi Tshabangu. She served me so well and explained everything to me clearly. She deserves a Whuuuuuuuuuu shaaaaaaam!”"
"I would like to commend Mbali on the great sales pitch she gave me. She was really thorough and professional in explaining what the policy entails. I also loved how she builds rapport with her clients. I am sure she didn't leave anything out, even reiterated the importance of going through the policy documents, which most clients fail to do. Come claim stage, we become stunned, yet everything was provided to us. Mbalenhle is a true, beautiful flower, and not once did she rush or ramble on as most sales consultants do. She took her time which is what most potential clients need in order to make an informed decision. She is a real asset to the company and I appreciated her time. A job well done Mbali, thank you."
"I was in an accident on the 30th of December. My car was written-off and PMD has already paid MFC. PMD is one of the best insurance companies you can rely on. I'm proud of the PMD team for their excellent teamwork in updating a client on the progress of the claim. Keep it up guys!"
"I would like to express my gratitude for how Nnmsa Sithole assisted me with my PMD car cover. I wish her well :)"
"I would like to inform you that Mphilo Stofu is such a kind, bubbly polite consultant. She was so easy to talk to and very informative. I could talk to her every day. Please give her the gratitude she deserves. She's a 10!"
"On Monday 25 January 2021, I called PMD and was assisted by Ms. Nomusa Sithole. To be honest the lady gave me the most outstanding and pleasant service I have ever received. I must comment that she is one of the best consultants in the industry ever. She treated me with dignity and respect. I wish her all the best. Keep up the good work!"
"I would like to inform PMD about the excellent service rendered to me over the telephone. I would rate Naledi a score of 9 out of 10!"
"Terrence had all the right things to say and he is good. Very professional. I hope I won't be disappointed after that wonderful sale. Thanks man, good job!"
"Thank you so much for taking our concerns as clients seriously. The Assessor came to Port Shepstone, we went to the scene and he did all the necessary assessments. Thank you PMD for understanding my desperation."
"I'm proud of PMD, I have been with them since 2002 and they never disappoint. Guess what? I have already claimed with no hassel at all. Your excellent service will never go unnoticed. Keep it up PMD team."
"I'm sincerely grateful to PMD for assisting me when I had a huge problem with my broken rear window despite the fact that I didn't insure it on my insurance. Thank you so much for the help I got from you - much appreciated. I'm so proud to have joined up with PMD insurance. The panel beaters fixed my car and I'm happy with the outcome."
"Fantastic PMD service from Atlehang Molefe. I dealt with her previously and now a year later she still delivers the best service ever. She goes above and beyond to make my experience easy and comfortable. She truly is an asset to the PMD team, your company, and your brand. Thank you Atlehang. 10 out of 10 rating. "
"PMD, I am so proud to be your client! I wish I had the loudest microphone so I can tell all my family, friends and colleagues that my claim of over R72,000 was approved and the panel beater has started repairing my car. I bless the day I took my comprehensive cover at PMD!"
"Had a great experience with Thandeka. She explained in detail and made sure I understood and that all my questions were answered. Thanks, I now have cheaper car insurance!"
"Thank you, Gugu, Lorinda and Anthea for such amazing and helpful people in PMD. I am more than happy with the service. The ladies are polite, helpful, and caring. They are a true asset to PMD and I wish them all the best."
"I'm so happy with PMD. My car got stolen and PMD paid as promised. No hassles, quick and simple. Premiums are reasonable as well! I would highly recommend them. PMD really understands their young professional clientele."
"I was so hesitant about joining PMD, but the consultant I spoke was so professional and had such understanding in dealing with my objectives and fears of the bad reviews that I found. This made me rethink and am so excited to be a member."
"After I had an accident in late December 2020, PMD was my last hope to get me through the misfortune. The negative narratives I began hearing about them helped me to prepare to have to encounter challenges with them. I did have few moments of frustration. Nevertheless, I have to compliment and appreciate PMD for coming through for me - throughout the process, it was easy to get hold of their consultants, easy to claim, and immediately get a courtesy car although I had to return it back long before my car was repaired.
My biggest disappointment was its admin department. My sincere appreciation to someone by the name of Mathuma - it is her exemplary commitment to, and genuine value for, her clients that has restored my faith in the outstanding people in PMD. I must also add Ntombi Silawu, she was very helpful whenever I had a chance to talk to her. So much good work has been done repairing my car. It was a difficult time but I appreciate all the considerable efforts that were made and I am happy to have my car back. Thank you."
"Thank you to PMD for the wonderful service they have offered. It was a quick response - within 24 hours my claim was approved. Bravo!"
"PMD is the best when it comes to premiums and their App is very convenient. Not to forget Thuto Montjane for the excellent service, give that man a Bells."
"10 out of 10 service!"
"I had an accident and my car was insured through PMD for less than 6 months but my claim was approved! So I'm very happy with PMD."
"Never had any problems with them, even when I did a cancelation with them. It was smooth and very simple."
"Good service and everything explained well."
"I would like to compliment Ashley at PMD. She is certainly an exceptional staff member. I have spoken to innumerable consultants over an extended period, and none compare to Ashley. She displayed qualities of initiative, expertise, helpfulness, professionalism, and a truly refreshing manner. Ashley was exceptionally intelligent and had a positive disposition and outlook. I was hesitant when finalising my policy due to the bad reviews, but Ashley put my doubts at ease and addressed all my concerns. Her service was outstanding as she did not make me feel intimidated to asked questions and she dealt with all my objectives. Thank you, Ashley! My baby is finally covered."
"I want to express my huge gratitude, appreciation, and thankfulness to you for the incredible relief and surprise of receiving your Authorisation of Repairs notice. Thank you. You do not know what an amazing relief this is to me, to know that I will be refunded for the money that I had to borrow to cover my car repairs in such an emergency. Thank you very much. I am so very grateful to Nelly at PMD for going the extra mile."
"I was quoted for my car insurance today, great service and excellent customer service by Lindiwe Mthombeni."
"I lodged my claim for my crashed window on the PMD Mobile App and it's was approved the following day. I had a great experience with them with no complaints... Great work."
"PMD deserves TEN Stars! Thank-you to their amazing staff such as Nellie, Andile, Tshego to name just a few. I wish to also extend my gratitude to their other departments, Administrators, and Senior Managers, who are ALL willing to go out of their way to listen to their clients. Thank you to everyone who helped make my misfortune change into a positive outcome. I am so grateful for the kindness, care, and outstanding good service I have received from PMD."
"I want to thank you for the professional customer service received - it's promising and I would recommend PMD to anyone because the questions I raised to Mojaki Molewa met my requirements. I want that professional customer service to be extended to others."
"Brilliant service from Ayanda."
"Lindi was exceptional! She explained everything in detail. 10 out of 10!"
"Great turnaround time in the claim process. The claim was logged and processed on the same day - excellent service provided."
"My windscreen was hit by a stone and I claimed with PMD. They responded to me immediately and arrange everything for me. All I had to do is to give the glass fit company my location so they can change my windscreen. I'm 100% satisfied."
"I lodged a claim on Friday with PMD and Nomvo Mente assisted me. My claim was approved in on Tuesday! Talk about an excellent turnaround time of two days. My car is back and good as new. Thank you PMD!"
"I've been with PMD for about 10 years and I have never claimed. When I had some hail damage on my vehicle was so impressed with the level of service I received from the start of the claim process to the end. PMD arranged someone to come and assess the damage at my convenience. The process was truly seamless. Proud to be a member of PMD and if you not with them then you with the wrong insurer."
"I received excellent assistance! Thanks, PMD for the best service. My window was broken and they fixed it."
"I've been a PMD client for a number of years now. Somehow, I mistakenly thought that my cover included windscreen replacement (turns out I didn't actually take that option). However, due to me being a client for a number of years, and the fact that I had not claimed before, PMD decided to replace my windscreen (even though they weren't obligated to do so). Not often that you get companies willing to pay for something when they don't really have to. I'm a happy PMD client and intend to stick around for a very long time. 5 stars to PMD!"
"PMD is great, their service is amazing. I just had an incident where the car window broke and shattered. They were able to process my claim in less than an hour. I would surely recommend PMD to anyone with their affordable premiums."
"Great service - fast and easy! I've only been with PMD for a few months."
"Thank you for the great service - PMD, you guys are the best."
"Absolutely fabulous service for my windscreen claim. The assistance was immediate and the customer service was wonderful. PMD called to make sure I got an appointment in the same week and called afterward to check if I was sorted. I don't regret changing my insurance to PMD. Service has been hassle-free. The best part was that I submitted my claim on their Mobile App and got an immediate call back for further assistance. Thank you for making my claim so easy and hassle-free."
"Excellent service! Claim resolved in a professional manner and I was regularly updated."
"I am happy with the service they delivered - as they promised they would."
"I have never had a claim in my life before but now had to submit a Key Replacement claim as my keys got lost. I phoned in and the service I received from PMD was a joy. The feedback afterward - that was unbelievable and all staff that was involved were super professional and friendly. Was a great experience. Thanks, PMD you are tops!"
"I'm a member of PMD and I would say thumbs up to Mojaki Molewa. She does her job very well."
"I recently had my windscreen chipped at my work parking lot. I contacted PMD, who assisted me within 24 hours. If this is not 5-Star service, I don't know what is."
"I have recently made a claim to PMD for a window replacement. It was quick and easy to make a claim through the PMD Mobile App."
"I was happy with the way my claim was handled at PMD. Keep up the great service. The PMD consultants went the extra mile to make sure I receive the best service ever. Thank you!"
"Mbalenhle is very helpful and explained everything perfectly. 10/10! Thank You"
"Lungile was fantastic, and you guys you've done a good job for me. Thanks and well done. 10/10!"
"Great service. Thank you!"
"Had fantastic service with my windscreen claim. Always friendly agents, willing to help, and very professional. I'm a very happy client and will recommend PMD to anyone. Thank you to agent Nosipho Mmgomezulu."
"PMD gave me peace of mind with my total-loss claim. Thank you to all the staff that assisted me during my claim. Keep up the good work. PMD's service is the best and their response time is spot on. Thank you for valuing me as a customer."
"Kamo helped me yesterday and he was very friendly and professional. He helped me in any way he could to get my premium to what I could afford. His service was really fantastic."
"I have peace of mind since I've got cover will PMD. I already recommended this insurance to all my friends. PMD is the best insurance ever."
"Thanks, PMD. I was impressed with your contribution and the great communication from you guys. I will forever appreciate your professionalism."
"I was so stressed out about the repair of my car and the costs but with the wonderful and understandable explanation from the PMD team, I understood what was required, and am so relieved right now. Thank you, once again, for your kind assistance. God bless."
"The service was good and timous considering my car was written off. Overall I am happy with my claim. "
"Nqobile Maseko and Sesethu Situnda, these two consultants are amazing. Most humane consultants I have ever met."
"Thanks to Nomvula, she knows what she’s doing I am happy with the service she gave me and I am taking your insurance PMD."
"Ntando is a very good person in sales. She was so patient with me, I had lots of questions. Thank you, Ntando."
"I would like to give a special thanks to Andile, who assisted me with patience and professionalism regarding the car hire process. I'm so impressed with his work etiquette."
"So far am very happy with PMD. They paid my claim with no hassles. I really recommend PMD - they are affordable and their consultants are very helpful and always keen to assist. Thank you for the great service."
"I have had the most wonderful experience with PMD. They had my worries I had about my car insurance claim down to zero in no time, with their beautiful and professional help. Thank you once again. You are a breath of fresh air, I am so relieved."
"Since joined I've PMD, I have no regrets. My monthly premium has decreased from R1,184.23 to R828.97 without affecting my excess fee. Indirectly I'll recommend PMD as my budget saviour giving me financial peace of mind. "
"Best customer service experience I have received in a while. A gentleman by the name of Ashley really knows what he is doing... It was a great help and made me feel like I'm talking to a friend. Great service! thanks, Ash."
"I would like to commend Rodney for his excellent customer service. Thank you for exceeding my expectations as a customer and for your patience and excellent listening skills. Keep it up, young man!"
"Truly speaking I am happy with PMD. I logged a claim in the morning around 9 am and surprisingly by around 12 it was approved. Am one of the happiest clients. Dankie PMD. I didn't struggle or fight with them. Everything moved smoothly. Dankie to Mojaki."
"Thanks to Nomvula - she knows what she's doing and I am happy with everything. She was so understanding and caring."
"I am very happy with the service I received - from the day I had an accident and the stolen keys. I am definitely recommending PMDs standard, big ups."
"Great customer service from Hlumela & Noluthando. They were so helpful and made the process a smooth transaction."
"Excellent service, same-day approval, and very efficient staff. Big ups to these guys."
"Thank you for going the extra mile to give quality service, even when there is a dispute."
"I would like to recommend PMD to anyone who is looking for car insurance. Thank you very much for your time and effort when I was looking for a quote and I am happy with the amount I am going to pay per month."
"Excellent service. I made a claim and it was processed with no hesitation. PMD offers affordable car insurance with fixed premiums and decreasing excess. Try it! You will not regret it. Be honest when giving your statement during the claim process to avoid contradictions."
"Excellent service received from Mojaki. I called in to change my banking details and enquire about car hire options on my insurance package. Great work...keep it up!!!"
"Kamogelo is amazing at her job - patient and unbelievably thorough. It's really refreshing to interact with someone who sounds like she loves what she does and is okay with over-extending herself to help. Keep it up, Kamo. We need more customer care professionals like you! You're a star, love!"
"Excellent service I have received. My windscreen is fixed properly and perfectly. I'm happy, all thanks to PMD."
"Excellent service and super quick to assist with any claim. I have been with PMD for a while now and never been disappointed. I would recommend PMD for their outstanding service and very well-priced plans."
"I processed a claim for my windscreen and the turnaround time from PMD was so quick and the person assisting me was really helpful."
"I am happy with my policy at PMD. The service is so excellent. I don't regret taking my policy with them. I wouldn't trade it for anything. Thanks, PMD."
"I am so glad I insured my car with PMD. Their service is always excellent - I would recommend it to anyone who wants car insurance."
"Wow, what excellent service I received from PMD with my claim. I would surely recommend more people to join them as their services were of high standard - always updating me with all the claims steps. Thank you, Sumaya for delivering good service. PMD you are the BEST!"
"PMD, you guys are amazing thank you so much for what you have done for me. This is my very first insurance and I can in all honesty say that I am absolutely 200% satisfied with PMD! I was in my first car accident and it was honestly the worst day of my life. After the accident, I did not have to make any phone calls whatsoever. They were there within 5 minutes. I was shocked at the quick response and how supportive they were just helping where they could! My car was written off and within 2 weeks I received the full retail value of my car in order to buy a new car! Through this whole process, they were so kind and understanding. I couldn't have chosen better or more affordable insurance."
"I was recently involved in an accident that was not my fault. Mojaki Molewa was kind and understanding, as well as patient while I explained my situation. With her level of knowledge, she was able to swiftly guide me through the process and swiftly send me the required documents. Her service was fast and efficient!"
"PMD has awesome customer service. Sumaya helped me and is extremely helpful and friendly. I would love to work with her again. Thanks again for the great service I get from you PMD."
"Great service and seamless process. It's never been so easy to lodge a claim. Thank you PMD - my car is now sorted."
"I've been with PMD for 2 years. I have never had to claim, and so far any queries I've had have always been resolved. I get the friendliest consultants and you can 'feel' their voice. They are genuinely happy to assist. Happy customer so far! Great work. PLEASE keep it up."
"Happy with PMD - they handle claims professionally and fast."
"PMD service is fast and good. I had an experience with a broken rear car window. PMD organised everything for me very quickly. I like these people."
"I am happy with the deal I got from PMD. I wanted affordable insurance for my car and that's exactly what I got. I also loved how the online process went, fast and user-friendly."
"I would like to take this opportunity to thank PMD for the excellent service that was rendered to me, within two weeks after I was involved in a horrible car accident and my car was written off. They managed to settle my car and I'm very happy."
"I had the best journey with PMD and I am glad my car is covered by PMD. I am so happy - I can't complain about anything."
"I joined PMD after hearing a great testimony from a friend on a very successful and helpful claim. After lodging a claim through the Mobile App, PMD responded promptly and were very helpful and I was able to claim within a day without hassles. I have also recruited a friend who recently joined. I'd recommend them any day!"
"Great service; quick response and easy claim process. Effortless!"
"I would like to compliment Mabali for her patience and for explaining everything so nicely to me - she is such a lovely lady to speak to. We need more people like Mabali in call centers."
"Lwazi helped me select PMD as my insurance. He was very helpful, professional, and super kind. Our country needs more people like him. Keep up the good work Lwazi."
"Great, excellent work! Keep it up!"
"I have been insured with PMD for about 18 months now. I am writing this to say that I have confidence in them - whenever I have a question I would ask them for a call back on FB and they will reply in minutes and give me a call back soon after that. I messaged them on Facebook, and within 2 minutes they replied and an agent called me and forwarded me my policy schedule. This shows that when it comes to claims, they are gonna be as quick."
"PMD's service is the best!"
"As a paying customer, I am very satisfied with the services rendered by PMD. Thank you."
"I would like to rate Innocentia Chagwe 10/10 - she is highly professional. Her approach, clear explanation, and her tone made me want to take the insurance policy immediately."
"I really got excellent service from PMD. Professional and very quick turnaround time for my claim. Keep it up!"
"I really got the best service and PMD calls you every day to check if you're still ok. They treat us like family and are very professional."
"The service was excellent. I reported/lodged my claim on the App and it did not take long for them to contact me to ask me questions and approve my claim. It was quick to find a panel beater to help me. I would recommend PMD to friends and family."
"These guys are excellent I made a rear windscreen claim and it was approved the same day. The following day I got a call from Glassfit and my window was fixed thanks to you PMD."
"I would like to rate PMD 10/10 - their call centre agent engaged with me telephonically in a professional manner with their approach and clear explanation. Let alone their affordable monthly premium that made me take my car insurance policy immediately as it's a saving to me in these difficult times of Covid19. Thank you guys, I will pass your service to my friends and family."
"Early morning service requests attended to very well with a friendly attitude and due consideration. I'm really happy with PMD!"
"I would like to rate Mojaki, she was so professional and willing to help by explaining everything that I wanted to know. I salute you with 100% great service."
"Excellent service received from Delisile at PMD!"
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?