Although car insurance isn’t legally required in South Africa, it can protect you from some of life’s most unpredictable and emotionally challenging moments. Being involved in an accident, breaking down on the side of the road, or dealing with damage from frequent road hazards can leave you feeling vulnerable and overwhelmed.
That’s why it helps to be prepared. Adding optional extras to your car insurance policy can offer greater peace of mind and more comprehensive protection when you need it most.
That’s where Prime South Africa’s car insurance optional extras come in. These add-ons provide financial security, convenience, and greater peace of mind. Upgrading your policy with these extras could even save you thousands in unexpected expenses.
Why do optional extras matter?
Depending on your car insurance plan, you may have access to great protection and benefits. However, you may still face out-of-pocket costs later.
Optional extras allow you to customise your insurance plan based on your risk profile, lifestyle, and budget, helping ensure you’re better protected from being stranded or financially burdened when the unexpected happens. Prime South Africa offers a range of these add-ons that address the most common concerns for South African drivers.
Let’s take a look at some helpful car insurance optional extras you might not be aware of.
Credit shortfall protection
If your car is financed, this add-on can help you avoid financial headaches. If your car is stolen or written off, your insurance payout is based on its market value at the time of the claim. But what if you still owe more on your finance loan than the payout? That’s where credit shortfall cover helps – it covers the difference, so you’re not left paying off a car you no longer have.
The benefits:
- Available with Prime’s Comprehensive and Customised policies
- Covers the gap between your insurance payout and the amount you still owe
- Prevents unexpected financial strain
Tyre and rim cover
South African roads can be tough on tyres and rims. Potholes, road debris, and uneven surfaces can cause damage and lead to expensive repairs. Tyre and rim cover helps protect you financially from these common road incidents.
The benefits:
- Available with all Prime car insurance products
- Covers accidental damage from potholes, road debris, and other hazards
- Helps with repair or replacement costs
Car hire
If your car is damaged and needs repairs or replacement after an accident, being without transport can be frustrating and disruptive. Public transport isn’t always a safe or practical option, and ride-hailing services can add up quickly. Car hire cover gives you access to a rental car while yours is being repaired so that you can keep your day on track.
The benefits:
- Available with all Prime car insurance products
- Gives you a temporary replacement car
- Helps you carry on with daily life without interruption
Accidental death
While it’s never easy to think about such situations, accidental death cover ensures your loved ones are financially supported during difficult times. In the event of a fatal car accident, this optional extra offers vital assistance to your beneficiaries.
The benefits:
- Lends financial support to your beneficiaries
- Helps your family manage expenses during hard times
- Offers peace of mind for you and your loved ones
Additional drivers
Sharing your car? You can add up to two drivers to your policy, so more people can benefit from the same level of protection.
The benefits:
- Cover for up to two named drivers
- All listed drivers enjoy the same policy benefits
- Flexible cover for families or shared cars
How do I add these optional extras to my policy?
Optional extras aren’t automatically included in standard car insurance policies – you’ll need to ask for them when getting or updating your insurance.
Already have a policy? Add or upgrade your benefits easily in the Prime app. You can also manage your profile, upload car photos, and make adjustments. Download the app from your preferred app store.
To update your policy, you can also speak to a Prime South Africa representative at 011 745 7800 or email info@prime.co.za.
How does payment work?
Adding optional extras will slightly increase your monthly premium, but the extra protection could save you thousands in unexpected costs. Pricing depends on the extras you choose and your individual risk profile, so it’s worth getting a personalised quote to find the best fit for your budget.
Get greater peace of mind with the right insurance cover
When it comes to car insurance, the right optional extras can make all the difference. At Prime South Africa, we take personal service seriously. Our team is here to help you navigate your options and ensure your car insurance provides the protection you need.
Get a personalised quote for budget-friendly car insurance today!
Disclaimer
This article provides South African motorists with general information to help them choose car insurance optional extras to add to their policy. However, it’s important to always do your own independent research. This includes reviewing policy documents, comparing providers, and understanding the terms and conditions of each policy.
All insurance products and optional extras are subject to terms and conditions. For full details, please refer to your policy documents or visit our website.
Get a quote for affordable Comprehensive car insurance from Prime South Africa and benefit from fixed premiums, reduced excess options, and high-quality service. T&Cs apply.
