Prime Meridian Direct
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  • Cover for total loss through accidental write-off*.
  • Cover for total loss through natural fire and disaster.
  • Cover for theft and hijacking.
  • 3rd Party Vehicle Liability Protection up to R500,000 per incident.
  • No vehicle pre-inspection required.
  • Covers drivers from 19 years of age.
  • Covers vehicles up to 15 years old.


  • Your premium will NEVER increase!
  • You will NEVER pay an excess!


  • Accident Contribution Benefit - provides growing cover for smaller accidents.
  • 24 Hour Nationwide Roadside Assistance, Towing and Storage
  • Car Hire Reimbursement.
  • Windscreen Replacement
  • Dent & Scratch protection

Are you looking for a quote for PMD's Motor Thrift car insurance? Please click on the 'QUOTE' button at the top of the page and complete the form or click on the 'CALLBACK' button if you want one of our friendly call centre agents to give you a call about this vehicle cover.

*Terms & Conditions apply. A full explanation of each optional benefit can be found in our downloadable car insurance product pack.
Please note that this is not a comprehensive car insurance plan.


You know that saying, “never settle for second best.” It is the same when it comes to auto insurance. Vehicle cover is something that you will pay for monthly for most of your adult life, it is an expense that adds up over time.

Don’t make choosing vehicle cover a casual decision, follow the below 6 steps to help you choose the right car insurance quote:

  1. Step 1: Decide what budget you have available for car insurance.
  2. Step 2: Decide what type of motor insurance suits your budget (comprehensive cover, third party-only cover and third party, theft and-fire cover).
  3. Step 3: Look at the car insurance companies’ track records via independent news websites (not belonging to insurance holding group companies) and online customer reviews. How often does each insurer’s premiums increase because motor vehicle cover is something you pay for many years into the future? It all adds up. South Africa has many reputable car insurance companies, which have been operating for many years. Choose a registered FSP (financial service provider), which is either self-sufficient or underwritten by a reputable company. You can check if a company is registered on the FSB website. There are traditional insurers that offer comprehensive cover and as well as insurers that offer you more personalised cover, which cover only what you need to be covered and this is in order to keep premiums as low as possible. South Africans are spoilt for choice. So, take advantage of all that is on offer. In these tough economic times, it is worth the extra effort to select the right insurer.
  4. Step 4: Now that you have shortlisted a handful of insurers you should apply for quotes online via their websites (see also car insurance calculators below) or give them a call. Collect as many quotes as you feel that you need. Don’t be pressured into rushing to sign up with any insurer yet.
  5. Step 5: Compare each insurer’s quotes with each other. Take your time to weigh up all the cost estimates from each shortlisted vehicle insurance provider. Look at it from a short-term and long-term perspective. Carefully study all the fine print of each policy. Be patient, don’t rush your final choice to avoid being disappointed later.
  6. Step 6: Accept the car insurance cost estimate online via the insurance company’s website or telephonically and enjoy the cover that it provides.


You may often hear about car insurance calculators and various other financial-related online calculators. These are useful online tools. This would fall under ‘step 4’ of selecting your car insurance. These are internet-based insurance, quote creating programs that many South African insurance companies offer within their websites. These tools allow you to input your insurance requirements, some personal information and then produce a quote. These online motor insurance estimators could ask you for information such as: the age of your car, the car’s mileage, your age, the make and model of the vehicle and what cover would you want, to name a few potential questions? Be honest and fill in the options as accurately as possible so that you have accurate quotes to compare with each other.

These tools come in handy because it is convenient to calculate your own potential vehicle cover premiums and to compare insurers respective offers when it suits you. Make sure to understand the fine print (t’s and c’s) when using these tools on each insurers website – is the quote final and does the quote include all costs (no hidden costs)? Call or email the relevant insurance companies if you have any questions about their vehicle cover calculators.


Car insurance, do you really need it? When looking at the statistics relating to motor vehicle hijackings and car accidents within South Africa, you will have more than enough evidence which highlights the importance of car insurance.

The cost of repairing your car has increased dramatically over the last couple of years, resulting in significant increases in the average cost of insurance companies processing a claim. Due to the increase in vehicle theft, accidents and rising repair costs, insurance companies are forced to recalculate the risk and cost of insuring our vehicles.

Unfortunately, the SA motorist cannot afford to drive an uninsured car when considering South Africa's high accident and car theft rate. About 65 percent of South African motorists don’t have car insurance, according to the South African Insurance Association (SAIA). This has enormous implications for all road users, irrespective of whether they are insured or not.

The hard reality is that if you are an uninsured driver, you alone will have to cover the costs of repairing your car or even buying a new one if it has been badly damaged. In addition, you will also have to bear any legal costs when trying to claim damages from another uninsured driver without the assistance of an insurer.


Motor vehicle insurance is necessary as its absence affects many people. Regardless if you happen to be the most cautious of motorists, and even if you pay cash for your car, you are still at great financial risk if you drive an uninsured vehicle.

Daily, many South Africans experience the significant loss of losing their cars resulting from either theft, hijacking or accidental write-off: An example of such a situation would be:

I said goodbye to my friends and left the premises to go to my car, which was parked on the pavement, When I arrived at the location where I had parked I was taken aback as my car was no longer where I had left it! My heart almost stopped beating!

Events such as these are often a nasty reality check as we tend to think that this will never happen to me. However, the loss of your car, whether it be because of a motor vehicle accident or theft or hijacking, is extremely difficult to recover from as you suffer a huge financial loss, especially since cars are so expensive?

Car insurance is necessary should you wish to put your mind at ease. As you drive one of your most expensive assets daily, car insurance provides you with the opportunity to have peace of mind that you now have cover for those unforeseen circumstances which often put you under severe financial pressures. This is one of the greatest benefits of having motor vehicle insurance.

The motor vehicle insurance industry in South Africa plays a significant role in the financial well-being of many of its citizens. It is important that we continue to educate all South Africans as to the importance of having motor vehicle insurance.

For many people within South Africa, a barrier to having insurance is often the cost. The current landscape of a high level criminal activities and increasing costs in repairing or replacing motor vehicles have contributed to the high costs in having an insurance policy.

Car insurance is unfortunately not compulsory in South Africa, which means that the Government cannot tackle the issue of uninsured vehicles.


What is car insurance? Understanding the risk of not having car insurance is important, but we also need to understand what “car insurance” is? One of the biggest challenges facing the South African insurance industry is that of consumer education. In other words, quite a few consumers don’t know what is going on with the financial service industry and insurance products. In fact, most of the complaints to the Ombudsman for Short Term Insurance are from consumers who are just not familiar with the aspects of motor insurance.

The Arrive Alive website provides some advice to vehicle owners about car insurance and road safety.

Car insurance is a contract in which an insurance company is financially responsible for loss, as described in the insurance company’s policy terms and conditions that the insured person may suffer to the vehicle. The bottom line is that people need to become acquainted with the policy terms and conditions and policy schedule. The clients need to make sure that they clearly understand the wording, terms and conditions, and any exclusion clauses.


This is clearly where car insurance companies can help their clients – by explaining the contract in summary form and in layman’s terms. Clients can be put off by difficult-to- interpret small print covering many pages of the contract. By simplifying and “educating” the client about the essentials of their policy, they will be so much happier as they will understand at long last the product for which they are paying.

So often we hear of people who tell us that they should have read the car insurance policy’s “small print.” Their expectations were that when “X” happens, they will receive benefit “Y”, which unfortunately does not materialise. The more attractive the insurance industry becomes to the motorist in terms of “friendly” policies and companies, the greater the chance that the 65% of uninsured cars can be brought down in South Africa.


There are some golden rules before signing up for car insurance:

  • You need to understand the “promise” that the car insurance company is providing. Car insurance is essentially a “promise” to assist in a time of loss if the insured’s loss falls within the insurer’s terms and conditions
  • Please ensure that you provide clear, up-to-date personal information upon which the insurance policy is based.
  • Please provide honest and complete information. Failure to do so may affect the outcome of any future claim against the insurer.

Due to the lack of financial literacy, it is the duty of the insurer to ensure that the client understands what they have purchased. This will aid in managing clients’ expectations and provide a better platform for future engagements.

The extent of the cover from a car insurance product provided to the client should be clearly described in the policy’s terms and conditions. The insurance provider, as well as the client, has equal responsibility in ensuring that all details of the policy are in order.

It is important that all persons who are actively driving on the roads of South Africa abide by the National Road Traffic Act (Act 93 of 1996) and any of its regulations including, inter alia, the Road Traffic Regulations of 1999 (as amended).


What do customers think about car insurance? I'd like to commend the service of Lerato Tlhoaele! She was excellent and made sure I understood every aspect of the cover I was looking for. She was very patient over several number of days it took for me to make up my mind. Thank you! Kagiso Korae, via HelloPeter.


Arrive Alive

South African Department of Transport


The Ombudsman for Short-term Insurance