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6 Steps to Get your Prime Meridian Car Insurance in South Africa

Prime Meridian Car Insurance is one of the first company South Africans think of to get their vehicle protected. This is so due to the great benefits that can be found within this company. However, the only way to know if PMD is the right car insurance company for you is by getting all the information about their products. That’s why, we’ll deal with these products offered in South Africa and, by the end of the reading, you will be able of deciding whether PMD is what you were looking for.

¿Qué es PMD Insurance?

Prime Meridian Direct Insurance, comúnmente conocido como PMD Insurance, es un proveedor sudafricano de seguros de coche que ofrece una gama de soluciones a medida para satisfacer las necesidades de los diferentes conductores. Garantizando tanto la asequibilidad como la cobertura completa, PMD Insurance tiene como objetivo proporcionar un equilibrio perfecto para sus clientes.

How does PMD Car Insurance work?  

Understanding how PMD car insurance works is essential to getting the best service at the best possible price. Understanding the whole process will be the key to getting the best service at an affordable price. In the case of PMD, there are three different proposals when it comes to car insurance:

In this short list, you will find the simplest coverage at the beginning and the most complete at the end. What is important to note is that regardless of the plan you choose, you can add some additional alternatives to deal with particular situations such as, for example, car rental or accidental death coverage. That's how Prime Meridian Direct makes sure you find exactly what you need.

Third-Party PLUS Car Insurance

With the Third-party PLUS Car Insurance plan, clients can enjoy a growing cover benefit, ensuring protection for their car in the event of an accident. Features include:

  • Growing Cover contributing towards repair costs.
  • Third-party vehicle liability protection up to R500,000 per incident.
  • Coverage for your car up to 100% of its trade value.
  • Coverage for vehicles of any age.

Customised Car Insurance

Customised Car Insurance offers tailored protection. Key highlights include:

  • Full market value coverage for accidental write-offs, natural disasters, theft, or hijacking.
  • Third-party protection up to R500,000.
  • Unique growing accident cover benefit, which can rise by up to R4,000 per month.
  • 24-hour towing & roadside assistance.
  • Protection against hail damage and glass coverage.

Comprehensive Car Insurance

Offering the most holistic coverage, this plan encompasses:

  • Write-off and accident coverage.
  • Protection against natural disasters, fire, theft, and hijacking.
  • Third-party vehicle liability protection up to R1 million.
  • Coverage for your car up to 100% of its retail value.
  • R10,000 Free Accidental Death Cover.
  • 24-hour roadside assistance.

Is PMD a good Car Insurance?

We can say PMD is a recognized car insurance company providing citizens with useful plans to protect their vehicle keeping in mind what does it mean to own a car. Although this may seem a little obvious, you will find not every company reflects it in their products. Having the opportunity to customize your coverage will give you a sense of being suitable covered. Yet, each customer will have to decide whether the service PMD offers is good or bad.

What does a PMD Car Insurance quote include?

Receiving a quote from a car insurance entity means you get to know the price they establish to protect your automobile. So, you have to include precise information about your car as well as you and, for example, your past experience at driving. These factors will allow PMD to calculate your quote in a manner that covers every detail you need to cover at a reasonable price. Remember, as long as you submit honest and true information, you can get your quote online.

How to get a cheap price on PMD insurnace with a car insurance quote? 

Car insurance calculators are great tools that allow the future policyholder to detect the best or cheap price. However, you will only get the price that company, in this case PMD, will charge you on the different coverages they offer. So, in order to find the best price, you will have no choice but to compare prices with different companies.

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To be able to do this, there are other types of calculators and quotation calculators like the one we offer here, with which you can get different quotes from a large number of insurers in an instant. 

The most important thing is that you take this process seriously, compare and quote in those insurance companies that have the coverage you are looking for, consider one by one those that best fit your budget and then see what additional benefit you can get in each one to choose the best option at the best price.

What are the advantages of PMD car insurance?

PMD insurance has many advantages over other insurance policies. That is why below we will mention some of them for you to take into consideration:

  1. Fixed premiums that don't fluctuate for a specified period.
  2. Inclusion of third-party liability in all insurance plans.
  3. High trust index on Hellopeter.
  4. Accidental death coverage with the comprehensive plan.
  5. Potential to reduce excess payment to R0.00.
  6. 24/7 roadside assistance.

What are the disadvantages of PMD Car Insurance you may find?

While there are many advantages of PMD car insurance, you might also find some disadvantages. One of them is that, even though you have many options to complete the cover you chose, you will have to pay extra for each of them. This means, you’ll pay for the plan you bought but, if you want to keep protecting your car on little details, you will have to think about paying all those extra costs. So, you might analyze if it’s more convenient to get a higher cover.

PMD Car Insurance: Reviews

With a trust index of 10 out of 10 on Hellopeter and an average rating of 4.56 from 13,841 reviews, PMD's reputation speaks for itself. Customers praise the timely responses, efficient claim processing, and friendly consultants.

As we have just mentioned, the official opinion about PMD Car Insurance must be given by their customers so, let’s see what do they say. One of the reviews we found thanks PMD consultants for being friendly when answering a query which, as the customer claims, made the whole process much easy. Another client assures she would recommend PMD Car Insurance due to the excellent service they offer since the moment you take the product until the moment you need to make a claim.

How to claim PMD car insurance?

  1. Report your claim within 48 hours after the event either through the Mobile App or call 011 745 7800.
  2. A Claims Services Professional will contact you for an inspection.
  3. Complete the relevant claims forms and documentation.
  4. Provide clear photographs of the incident and damages.
  5. Your vehicle's damage will be inspected and an estimate provided.
  6. Towing arrangements will be made if needed.

How to get in touch with PMD to buy Car Insurance?

To get your PMD Car Insurance you can write an email to info@primemeridian,co,za or use this phone number 74 57 800. If you prefer to communicate through fax or, to send documents for example, PMD fax number is 36 77 000. Also remember if you live in Johannesburg, you can approach Prime Meridian Direct office to discuss about your car insurance and get doubt free. No matter which mean of communication you choose, PMD will be glad to assist you on your vehicle protection.

Prime Meridian Direct Car Insurance contact details

PMD Office Hours

Weekdays from 8 am to 5 pm.

PMD Phone N°

74 57 800


Valid driving license

After covering the main plans from Prime Meridian Direct Car Insurance, you can now have a better idea about what it’s worth paying for. All that’s left to do is to decide how much car insurance you want and, get your quote to decide if PMD is the entity you wanted.


Is PMD reliable?

Yes, PMD has established a strong reputation backed by positive reviews and high trust scores.

Who is the underwriter for PMD?

The underwriter for PMD's comprehensive, customised, and third-party plus cover plans is Santam Structured Insurance Limited.

Is PMD a good Car Insurance?

Given its wide range of coverage options, positive customer feedback, and trustworthiness, PMD is indeed a good car insurance choice.

Author: Cristian Rennella

Update: 03/09/2023

Leave your question

Questions and answers

Is the car insurance premium affordable?

In order to state that the car insurance premium with Prime Meridian in South Africa is affordable or not, it will depend on some factors. These may include the clients' financial situation, the type of insurance coverage that the client needs, and the specific details of the vehicle, among others. 

On what grounds should I claim for tyres?

The insurance company Prime Meridian may be in charge of replacing or repairing your vehicle tyres, depending on the conditions and restrictions stated in your insurance policy. Some circumstances that the company may consider as a claim for tyres are as follows accidental damage, theft or vandalism, fire or natural disaster, among others.

What do you mean when you say I can add extra coverage?

There are additional plans you can choose to add, just if you want. For example, to cover windscreen, to have a car borrowed for few days while you have yours at the panel beater and more.

Does PMD cover old cars?

It depends on the type pf coverage. Customised and Comprehensive covers only work for cars 15 years old at maximum.

Hi, I’m interested in Customer cover, how much do the pay in an accident?

The third-Party liability protection of this cover won’t be higher than R500000.

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