Mzansi’s top questions about Prime South Africa

Car insurance can feel complicated, especially when deciding on the best plan for your needs. At Prime South Africa, we keep things simple, affordable, and transparent, which is why we’re answering Mzansi’s most frequently asked questions about our insurance.

What is Prime South Africa?

Prime South Africa is an authorised financial services provider (FSP) that offers flexible and affordable car insurance for South Africans. Our policies come with unique benefits to give you peace of mind every time you hit the road.

What makes Prime different from other insurance companies?

We blend digital convenience with human support. You can manage claims, update details, and access emergency information via the Prime App or speak to our friendly agents for personalised assistance. If you’d prefer instant support from our chatbot or a real conversation, we’re just a tap or call away.

What types of car insurance options does Prime offer?

We offer three types of car insurance, allowing you to choose the right level of protection for your needs and budget.

Comprehensive car insurance

For the highest level of protection, covering accident damage, theft, hijacking, and natural disasters, you get comprehensive insurance. You’re also covered for third-party liability up to R1 million. With 24/7 roadside assistance and cover up to 100% of your car’s retail value, this plan gives you complete peace of mind. Learn more about our comprehensive cover.

Customised car insurance

A customised plan is a car insurance plan that’s flexible and can be tailored based on your needs. You can get cover for accident damage, theft, and hijacking, plus protection against natural disasters. Third-party damage is also covered up to R500,000.

Additional benefits include a 24-month fixed premium guarantee, reducing excess if you remain claim-free, and growing accident cover for minor repairs.

Find out how customised cover works at Prime.

Third-Party PLUS car insurance

Third-party car insurance offers you a budget-friendly plan that covers up to R500,000 in third-party liability. It also includes hail damage cover up to R10,000 and growing accident cover. This amount increases the longer you remain claim-free

Find out how Third-Party PLUS can benefit you.

How can I get a quote from Prime?

Answer a few quick questions, and we’ll send you a personalised quote. Get a quote now.

Can I insure my car if it’s currently under finance?

Yes. If your car is being financed, your lender will likely require comprehensive insurance to protect them financially against damage, theft, or loss. This is to secure the financial institution’s investment while also giving you peace of mind.

Prime’s comprehensive cover is an excellent choice, giving you extensive protection, including cover for accidental damage, theft, hijacking, and natural disasters.

Does Prime offer roadside assistance?

Yes! Prime South Africa provides 24/7 nationwide roadside assistance to all policyholders. This is so you can get help and towing assistance during breakdowns, flat tyres, and other emergencies, ensuring you’re never stranded. Get this service by calling our dedicated roadside assistance number: 011 745 7800.

Where can I find my Prime policy documents and forms?

You can access all your policy documents and forms through the Prime app, available on the App Store and Google Play Store. The app allows you to download important documents, submit claims and manage your profile from your phone.

Alternatively, you can access your policy information on the Prime South Africa website.

What does ‘fixed premiums’ mean?

‘Fixed premiums’ mean that your insurance premium amount stays unchanged for a specified period, regardless of external factors. At Prime South Africa, premiums are fixed for 24 months, meaning your insurance costs won’t increase for two years.

Does Prime cover natural disasters?

Yes. Prime’s comprehensive car insurance covers damage caused by natural disasters such as natural fires, floods, hail, and storms. This is particularly important given South Africa’s varied weather conditions.

How do I claim with Prime South Africa?

Claiming is simple! You can submit your claim via:

• Online: Use the Prime South Africa website to submit your claim.
• Prime App: Log in to the Prime App to report the incident.
• Phone: Call Prime’s claims department at 011 745 7800.
• Email: Send a detailed account of the incident to our official claims email address.

To facilitate a smooth process, include all relevant documents, such as your policy number and accident details. Our team will do their best to process your claim quickly and efficiently.

For a detailed step-by-step guide, see our Claims Guide.

Get car insurance today.

Still have questions? We’re here to help! Get a customised insurance plan that suits your needs. Protect your car with Prime South Africa – affordable and reliable insurers you can trust.

Terms and conditions apply. Premiums are risk-profile dependent and valid for 24 hours only. Accepted premiums remain fixed for 24 months, provided you remain claim-free. Reducing excess is available with the Comprehensive and Customised Cover plans. Growing accident cover applies to Third-Party PLUS and Customised Cover. Additional exclusions and limitations apply.

Disclaimer:

This article provides general information about Prime South Africa’s insurance products.

Always do your own research and consult a certified financial advisor to select the best policy for your needs.

Get a quote for affordable comprehensive cover from Prime South Africa and enjoy fixed premiums, reducing excess, and top-tier service. T&Cs apply.