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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
Most extensive car insurance with all available benefits and more
From only R409pm*
Budget-friendly basics with Growing Cover to protect your car
From only R321pm*
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
Passenger
Protect Cover
Unique benefits only available from Prime:
Fixed Premiums
Reducing Excess
Accidental Death Benefit
Growing Cover Benefit
Passenger Protect
How to buy cheap car insurance
Research car insurance companies in South Africa
Compile your driver’s profile by providing accurate details of your driving history. This information is crucial to the insurer as it will show him how risky a driver you are. Other important information would include car details, such as age, vehicle identification number (VIN), and any security features.1
Which car insurance companies should I choose?
Research and select well-established car insurance companies of good repute before obtaining quotes online. Conduct background checks by looking at websites that provide customer feedback on car insurance companies.
Get online quotes from car insurance companies
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.
Study each policy’s benefits
What benefits do you need? For instance, you should have a car hire option, to avoid being without transport after an accident. In these dangerous times, you don’t want your car to break down without getting immediate help. So, you may want the option of a 24-hour roadside assistance and towing service.
Understanding the Different Types of Cheap Car Insurance Available
You need to grasp what the difference is, for instance, between comprehensive car insurance and third-party car insurance. To illustrate, see PMD’s different types of insurance below.
Prime’s Comprehensive Car Insurance
This car insurance plan covers theft and hijacking, damage caused by natural fire and disaster, and accident cover and write-off. Third party vehicle liability protection does not exceed R1 million per incident. The policy insures your car for up to 100% of its retail value.
Additional benefits include hail damage cover, vehicle glass cover, and a 24-hour roadside assistance and towing service. Your bereaved family can benefit from free R10,000 accidental death cover if there is an accident-related death.
Prime provides less customised car insurance coverage than its comprehensive car insurance product.
Prime Offers Customised Car Insurance
This car insurance plan covers total loss for theft and hijacking, damage caused by natural fire and disaster, and accidental write-off. A growing cover up to 100% of the market value of the car helps towards repair costs due to smaller accidents. Your car has cover up to its full market value. You also have third-party liability protection up to R500,000 per incident.
Other benefits include 24-hour roadside assistance and towing service, and hail damage and vehicle glass cover.
Prime Has an Affordable Third party PLUS Car Insurance
Generally, third-party car insurance does not cover your car if you have an accident. But this one from Prime 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.
Do You Understand Your Policy?
It’s essential to ask the insurer to explain anything about your policy you don’t understand. In addition, your policy may have exclusions, which are specified items that have no cover.
So, find out what they are to avoid disappointment at claim time.
Disclaimer
The article aims to show you how to buy car insurance. After shopping and comparing car insurance quotes online, Prime is the insurer to select.
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.
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