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Previously Prime Meridian Direct (PMD) Prime Meridian Direct

Why settle for affordable when you can
get good quality cheap car insurance?

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Explore how we can help you to save you on your budget every month

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Premiums quoted are risk profile dependent and are valid for 24 hours only. Accepted premiums are fixed for 24 months provided you remain claim free. A reducing excess is available on the Comprehensive and Customised cover options only. Growing accident damage cover applies to the Third-Party PLUS and Customised cover options only. T&Cs, excess charges, exclusions and limitations apply to all products.

Discover why South African motorists choose us

Prime, previously called Prime
Meridian Direct, is top-rated on
Hellopeter

Comprehensive
car insurance

Most extensive car insurance with all available benefits and more

From only R409pm*

Customised
car insurance

Budget-friendly basics with Growing Cover to protect your car

From only R321pm*

Third-Party PLUS
car insurance

Budget-friendly basics with Growing Cover to protect your car

From only R167pm*

Unique car insurance benefits only available from Prime

24-Month Fixed Premium Guarantee

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

Reducing
Excess

Your basic excess reduces every month you don’t claim.*

Free Accidental Death Cover

Get R10,000 paid to your family if you die unexpectedly in a car accident.

Growing Accident Cover

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

Passenger
Protect Cover

Get private medical treatment for passengers injured in your vehicle with our Prime Protect app.

Unique benefits only available from Prime:

UniqueBenefitIcon_FixedPremiums

Fixed Premiums

UniqueBenefitIcon_ReducingExcess

Reducing Excess

UniqueBenefitIcon_AccidentalDeath

Accidental Death Benefit

UniqueBenefitIcon_GrowingCover

Growing Cover Benefit

UniqueBenefitIcon_PassengerProtect

Passenger Protect

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How to buy cheap car insurance in South Africa

Before looking for the lowest car insurance premiums and buying any cheap car insurance, you first need to understand the different types of products available. This way, you can decide which product will suit your needs the best.

  • Compare quotes: Use online comparison sites to get quotes from multiple insurers. This help you see various car insurance options and compare them to find the right car insurance option for you.
  • Increase Your excess: Opting for a higher excess (the amount you pay out of pocket when you make a claim) can lower your premium, depending on your car insurance provider.
  • Maintain a Good Driving Record: Some insurers offer rewards or discounts for good driving records with no or minimal infractions. However this may be insurer dependent.
  • Discounts: Many insurers offer discounts for bundling policies (like home and car insurance), or for being a member of specific organisation. Referrals for other drivers and having multiple cars insured with the same insurer may also confer discounts.
  • Choose the right vehicle: The type of car you drive affects your insurance premium. Generally, more expensive or high-performance cars come with higher premiums. Consider a vehicle with a good safety rating and lower theft risk.
  • Limit Coverage Options: Review the optional add-ons and coverages. Only choose those that are essential for your situation to keep costs down.
  • Consider third-party insurance: If you’re looking for the cheapest option and do not have a financed car, third-party liability insurance is less expensive than comprehensive coverage. However, it often won’t cover your own vehicle. Prime’s unique Third-party PLUS car insurance offers the benefits of third-party car insurance along with a unique growing cover benefit, designed to protect your own car.

Which car insurance companies should I choose?

Research and select well-established car insurance companies of good repute before obtaining quotes online. Check customer feedback on car insurance companies using review websites like Hello Peter, which provides customer reviews and ratings for various businesses, especially in the service industry. Users can share their experiences, leave feedback, and rate businesses on different aspects, such as service quality, trust, and overall satisfaction. The platform aims to help consumers make informed decisions based on the experiences of others.

Make sure you present the same information and requirements to each car insurer when getting cheap car insurance quotes. In this way, you can compare apples with apples. Compare the same policies with each other such as comprehensive car insurance with comprehensive car insurance. 

Understanding your cover

It’s essential to ask the insurer to get explanations to anything about your policy you don’t understand. In addition, Your policy may also have exclusions, where you will have no cover, that is important to understand.

There also are other factors that influence your car insurance costs:

  • Premium: The cost of your insurance is influenced by factors such as age, driving record, vehicle type, and location.
  • Excess: This is the amount you pay out of pocket when making a claim; higher excess often results in lower premiums.
  • Coverage Limits: The maximum amount the insurer will pay for claims; ensure the car insurance and coverage you have selected meets your needs.
  • Location: Urban areas may have higher premiums due to increased theft and accident rates however this is location and area dependent.

Prime’s Cheaper Third party PLUS Car Insurance

Generally, third-party car insurance does not cover your car if you have an accident. But Prime’s Third-party car insurance does.

A highlight of this policy is that it has a growing cover.

This reduces loss or repair costs due to smaller accidents and can grow up to the car’s full trade value. Third-party liability cover is another benefit, with liability protection growing up to R500,000 per incident. The last benefit is hail damage cover of up to R10,000.  

Disclaimer

This article’s purpose is to explain cheap car insurance in greater detail, as well as provide some information to consider when looking to purchase cheap car insurance. 

Learn more about our affordable car insurance products while we present you with our world-class client service. Available are comprehensive and customised car insurance with fixed premiums* and reducing excess*. You can purchase comprehensive or customised car insurance for cars not over 15 years old, but age is not an issue with our third-party PLUS car insurance. T&Cs apply. You need to consult a certified financial advisor for professional advice before buying a financial services product. 
Source 

Cheap car insurance hidden costs 

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Real stories. Real satisfaction...

As we know no one is perfect special when it comes to contracts. But Prime always available when I need help. I just log in the app select call me back they always call back in time
Yongama Beleni
Taken a new policy with Prime. The staff are extremely helpful and knowledgeable. Very friendly. Thank you.
Jasper Aidan
I lodged my claim this morning at 08h16 and by 11.30 it had been approved. Prime is very efficient.
K Kheswa
I’ve never had a problem with Prime since i joined them and the Monthly Premium and Excess is reasonable 🙏🏾
Imagine Ngobeni
Good communication and respectful, they have positive can do attitude.
Brenda Kind
Had the privilege of being assisted by Tshepile who was very helpful and knowledgeable. I loved my experience with her.
Edgar Chauke
I’ve been with Prime for 3yrs now and I have made 2 claims thus far, have been receiving good services. I’d definitely recommend Prime
Michael Motsapi
I would like to write a review about Prime. They are so efficient and hassle free. I once had a breakdown and requested a tow truck and they were very helpful. If you need any documentation from them before you even drop the call everything is in your mailbox. Prime you are the best.
Vusi Dlamini
I received a really good service from Prime consultant. She was professional and my problem was easily resolved.
Thabo Makgatlha
The service after joining was excellent and the following up of my emails was quick in succession. There was always feedback. Answered all my questions clearly. Offered me a great deal.
Fiona Barnes
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Prime Meridian House, Bryanston Gate Office Park, 170 Curzon Road (Cnr Main Road and Homestead Ave) Bryanston, Johannesburg, 2021

Prime SA is an Authorised Financial Services Provider, FSP 41040. Policy benefits underwritten by Santam Structured Insurance Limited, a Licenced Non-Life insurer
and Authorised Financial Services Provider, FSP 1027. Administered by PrimaryAsset Administrative Services (Pty) Ltd. Authorised Financial Services Provider. FSP 3920. Terms and Conditions apply.
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