Previously Prime Meridian Direct (PMD) Prime Meridian Direct

A car covered by Prime car insurance for peace of mind

What does Prime car insurance cover?

Choosing Prime car insurance cover for your car means getting peace of mind and great support whenever you’re out on the road. Our plans are customisable and affordable, so we can make good insurance available to everyone. No matter your needs or budget, you’ll get reliable coverage when you need it.

Why Prime South Africa?

Not only do we offer comprehensive coverage that you can afford, but all our plans also include unique benefits like coverage that grows with each claim-free month, as well as fixed premiums that will stay the same for 24 months and reduce to zero if you don’t claim.

In this blog, we delve into each of our car insurance plans and their benefits.

Comprehensive car insurance for complete peace of mind

If you want complete peace of mind on the road, comprehensive car insurance is one of the best options. Our Comprehensive plan covers everything from accidents and write-offs to theft, hijacking, natural disasters, and damage from hail. And, with up to R1 million in third-party liability protection, you’ll be well prepared in the event of an unforeseen incident.

But what really sets Prime’s Comprehensive cover apart are its unique benefits, which you can unlock with the Prime Protect App. Like free accidental death cover, which means R10,000 will go to your family if you die in a car accident, and free private medical treatment for any passengers injured in your vehicle.

Plus, with 24/7 emergency roadside assistance, help is always available when you need it most.

Customised car insurance that’s tailored to your needs

If you prefer a plan that can be tailored to your specific requirements, Customised car insurance might be the perfect fit. This plan offers flexible accident and write-off coverage as well as R500,000 in third-party liability protection.

Along with cover for theft and hijacking, this plan protects financially against natural disasters, glass damage, and hail damage up to R20,000. As a bonus, your cover will also grow monthly by up to R5,000 for smaller accidents if you don’t claim.

Optional extras allow you to further customise your plan with car hire, credit shortfall protection, an accidental death extender, tyre and rim cover, and cover for other drivers. You can also lower your excess amount with claim-free months.

Third-Party PLUS car insurance for affordable protection with benefits

If you’re looking for a more budget-friendly option, Third-Party PLUS car insurance starts from just R167* per month. This plan offers up to R500,000 in third-party liability protection, up to R10,000 for hail damage to your car, and coverage up to the full trade value of your car.

You’ll also get growing accident cover that increases monthly up to R4,000 for smaller accidents if you stay claim-free. Other benefits include Prime’s 24-month fixed premium guarantee as well as the ability to add up to two more drivers, car hire, tyre and rim cover, and 24-hour roadside assistance.

What does Prime South Africa not cover?

Prime South Africa offers car insurance plans with lots of coverage options, but there are some things we don’t cover. For example, if you use your car for business purposes such as for deliveries, transporting fare-paying passages, or any other commercial reasons, you won’t be covered.

You won’t be covered if you let someone drive your car who doesn’t have a valid driver’s licence. Furthermore, drivers not listed on your Customised or Third-Party policy won’t be covered. This includes situations where a friend or family member drives your car without being officially added to your policy.

Get access to Prime’s support on the go

Because we take customer service seriously at Prime, we have two incredible apps that allow you to access support from your smartphone, wherever you are.

Prime South Africa App

Your Prime App is your go-to tool for everything claims, policy and emergency related. Plus, you can earn specific benefits and rewards on the app.

  • It makes capturing your claims easy with its step-by-step feature, guiding you through the capturing process
  • You can easily upload your policy photos onto the app
  • View or update your personal details straight on the app
  • Keep emergency numbers and important information close to you wherever you go

Prime Protect App

As a Prime Policyholder, you can get over R500,000 in exclusive benefits with the Prime Protect App. This app is your safety companion on every journey, ensuring you and your passengers have peace of mind. You can unlock incredible benefits by joining Prime, downloading the app, and activating the Prime Protect App.

  • R10,000 free accidental death cover if you die in an accident whilst in the insured car
  • Get private medical treatment for passengers injured in your vehicle
  • Access to expert advice and assistance for injured drivers when claiming compensation from the RAF
  • Enjoy reduced excess fees simply by keeping your Prime Protect App installed and active on your phone
  • Have free 24/7 emergency roadside assistance benefits that keep you safe and get you moving again
  • 24/7 Accident detection in case you cannot call for help after a serious car accident

Download these apps from the Apple App Store, Google Play Store, or Huawei AppGallery today to experience them for yourself!

Need more reasons to choose Prime?

All of Prime’s car insurance plans offer more than just coverage. They come with exclusive benefits like fixed premium guarantees, reducing excesses, and smart app features like accident detection. To explore these unique benefits further, check out our blog on the top ten reasons to get car insurance from Prime.

Choosing Prime means opting for peace of mind, affordability, and support tailored to your needs.

Discover the Prime difference and get your free online quote today!


This article aims to give an overview of what Prime South Africa car insurance covers. However, it may not include all the available information. Therefore, always do your own research.

Remember to buy car insurance carefully and only through a certified financial services provider.

Contact us today to learn more about getting affordable, comprehensive car insurance with fixed premiums* and a reduce-to-zero excess*. *T&Cs apply.

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