Affordable car insurance products for all South Africans

Our car insurance range offers benefits that can be customised to your needs. Get a quote online now, or we can call you.

Comprehensive

car insurance cover

Learn more

Customised

car insurance cover

Learn more

Third-party PLUS

car insurance cover

Learn more

Get quote/Buy online

Call me

Choose a car insurance plan

Starting at

Comprehensive

car insurance

R975pm*

Customised

car insurance

R845pm*

Third-Party

car insurance

R167pm*

Compare the benefits...

Included Prime benefits

Comprehensive

car insurance

Full range of protection and benefits

Customised

car insurance

Customised protection including great benefits

Third-Party

car insurance

The basics with unique Growing Cover

Write-off / Theft / Hijacking

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accident cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Natural fire and disaster

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Glass cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

24-hour towing & roadside assist

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Hail damage cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-party liability protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Insured for retail value

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Unique benefits only available from Prime

Fixed Premiums

Your affordable premiums will only increase every 24 months*.

Reducing Excess

Your affordable premiums will only increase every 24 months*.

Accidental Death Benefit

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

Growing Cover Benefit

Your affordable premiums will only increase every 24 months*.

Passenger Protect

Your affordable premiums will only increase every 24 months*.

Optional extras:

Car hire

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Tyre and rim cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Credit shortfall protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accidental death extender

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Additional drivers

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Comprehensive

car insurance cover

Customised

car insurance cover

Third-Party

car insurance cover

*Subject to T&Cs. Your monthly premiums are guaranteed to remain unchanged for 24 months. All Prime policies are subject to a 6-month additional Early Claims Excess and a basic reducing excess.

Comprehensive

car insurance cover

Starting from

R975pm*

Write-off / Theft / Hijacking

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accident cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Natural fire and disaster

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Glass cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

24-hour towing & roadside assist

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Hail damage cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-party liability protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Insured for retail value

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Optional extras

Car hire

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Tyre and rim cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Credit shortfall protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accidental death extender

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Additional drivers

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Customised

car insurance cover

Starting from

R845pm*

Write-off / theft / hijacking

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accident cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Natural fire and disaster

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Glass cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

24-hour towing & roadside assist

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Hail damage cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-party liability protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Insured for market value

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Optional extras

Car hire

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Tyre and rim cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Credit shortfall protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accidental death extender

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Additional drivers

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-Party PLUS

car insurance cover

Starting from

R167pm*

Write-off / Theft / Hijacking

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accident cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Natural fire and disaster

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Glass cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

24-hour towing & roadside assist

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Hail damage cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Third-party liability protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Insured for retail value

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Optional extras

Car hire

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Tyre and rim cover

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Credit shortfall protection

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Accidental death extender

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Additional drivers

You are covered if you write your car off or you are involved in and accident. You are also covered if you have a loss through theft or hijacking.

Unique benefits only available from Prime:

Fixed Premiums

Reducing Excess

Accidental Death Benefit

Growing Cover Benefit

Passenger Protect

*Subject to T&C’s. Your monthly premiums are guaranteed to remain unchanged for 24 months.

All Prime policies are subject to a 6-month additional Early Claims Excess and a basic reducing excess.

At Prime, we're small enough to care, but big enough to make a difference.

At Prime, your journey matters as much as your destination, so we're with you wherever you might go.

Find out what others say about us…

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

Taken a new policy with Prime. The staff are extremely helpful and knowledgeable. Very friendly. Thank you.

I lodged my claim this morning at 08h16 and by 11.30 it had been approved. Prime is very efficient.

I’ve never had a problem with Prime since i joined them and the Monthly Premium and Excess is reasonable 🙏🏾

Good communication and respectful, they have positive can do attitude.

Had the privilege of being assisted by Tshepile who was very helpful and knowledgeable. I loved my experience with her.

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

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.

I received a really good service from Prime consultant. She was professional and my problem was easily resolved.

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.

Car insurance is a must before you get behind the wheel.

We've made it easy to get a quote and buy online.

Frequently Asked Questions

How can I get a quote from Prime South Africa?

It's very easy to get a quote from us. Simply answer a few questions, and we'll send you a quote. You can even continue to check out and sign up online. If you'd prefer to speak to someone, you can also call us to speak to one of our helpful team members.

Can I insure my vehicle if it's currently under finance?

Yes. In fact, most financial agreements require that your car be covered by comprehensive car insurance that protects it against damage or loss when it's under finance. Our Prime Comprehensive Cover is a great option that offers some unique and exciting benefits.

Does Prime South Africa offer roadside assistance?

Yes, we provide 24/7 nationwide roadside assistance to all our policyholders to ensure you’re never left stranded next to the road. This service includes help with breakdowns, towing services, flat tyres, and more.

Where can I find my Prime policy documents and forms?

You can easily access all your policy information, claim forms, and more from our downloads page. If you download our Prime app, you'll also conveniently find them there when you're on the go.

Can car insurance calculators find cheap car insurance quotes?

Are you thinking of buying car insurance in South Africa now? 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.

What value do car insurance companies give your car?

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.

Affordable car insurance products for all South Africans

Our car insurance range offers benefits that can be customised to your needs. Get a quote online now, or we can call you.

Comprehensive

car insurance cover

Customised

car insurance cover

Third-party PLUS

car insurance cover

Choose a car insurance plan

Starting at

Comprehensive

car insurance

R975pm*

Customised

car insurance

R845pm*

Third-Party

car insurance

R167pm*

Compare the benefits...

Included Prime benefits

Comprehensive

car insurance

Full range of protection and benefits

Customised

car insurance

Customised protection including great benefits

Third-Party

car insurance

The basics with unique Growing Cover

Unlimited

Up to R1 million

Retail value

Growing cover

Growing cover

Growing cover

Up to R20,000

Up to R500,000

Market value

Growing cover

Growing cover

Optional

Optional

Up to R10,000

Up to R500,000

Trade value

Unique benefits only available from Prime

Fixed Premiums

Reducing Excess

Accidental Death Benefit

Growing Cover Benefit

Passenger Protect

Optional extras:

Comprehensive

car insurance cover

Up to 2

Customised

car insurance cover

Up to 2

Third-Party

car insurance cover

Comprehensive

car insurance cover

Starting from

R975pm*

Customised

car insurance cover

Starting from

R845pm*

Third-Party PLUS

car insurance cover

Starting from

R167pm*

Unique benefits only available from Prime:

Fixed Premiums

Reducing Excess

Accidental Death Benefit

Growing Cover Benefit

Passenger Protect

At Prime, we're small enough to care, but big enough to make a difference.