Prime Meridian Car Insurance in South Africa: A Complete Guide

Prime Meridian Car Insurance in South Africa: A Complete Guide

When it comes to choosing car insurance in South Africa, Prime Meridian Car Insurance (PMD) stands out as a popular choice among motorists. With a commitment to providing affordable and reliable insurance solutions, PMD has tailored its services to meet the diverse needs of South African drivers. This article aims to provide a comprehensive overview of what PMD offers, including the benefits and limitations of their policies, coverage details, and how to easily obtain a quote and contact the company.

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Who is Prime Meridian Car Insurance in South Africa?

Prime Meridian Direct (PMD) is not just another name in the South African insurance market; it is a symbol of reliability and affordability. PMD's dedication to offering high-quality insurance solutions at cost-effective prices makes it a go-to option for many South Africans. The company specialises in various personal, life, and health insurance products, ensuring a wide range of coverage options for different customer needs.

Who is PMD underwritten by?

A significant aspect of PMD's reliability stems from being underwritten by Santam Structured Insurance Limited. This partnership reflects a robust foundation of trust and financial stability, essential in the insurance industry.

Prime Meridian car insurance is good?

Evaluating the effectiveness of Prime Meridian Car Insurance requires a deep dive into what makes it stand out. In South Africa, where car insurance is not mandatory but highly recommended, PMD provides an essential service. The company's policies are not only cost-effective but also comprehensive, offering peace of mind to a wide range of customers.

PMD Car Insurance Benefits

The benefits of PMD Car Insurance are diverse and cater to various needs:

  • Fixed Premiums: One of the hallmark features of PMD's policies is the fixed premium rate, providing financial predictability and stability to policyholders.
  • Comprehensive Coverage: From accidents and theft to natural disasters, PMD's comprehensive plan ensures broad protection.
  • Customisable Options: Recognising that one size doesn't fit all, PMD allows customers to tailor their coverage, ensuring they pay only for what they need.
  • Inclusion of Younger Drivers: With provisions for drivers as young as 19, PMD extends its services to a demographic often facing high insurance costs.

What are the advantages of PMD car insurance?

Opting for PMD Car Insurance brings numerous benefits to South African drivers. Key advantages include:

  • Affordability: PMD stands out in the market for its competitively priced policies, making car insurance accessible to a broader range of customers.
  • Flexible Coverage Options: From basic third-party coverage to comprehensive plans, PMD offers a variety of options to cater to different insurance needs.
  • Reduced Excess: One of the standout features of PMD is the reduce-to-zero excess on certain claims, easing the financial burden on policyholders.

What are the disadvantages of PMD Car Insurance?

Despite its many benefits, it's important to consider a few limitations:

  • Additional Costs for Extras: While basic plans are affordable, adding extra coverages can increase the overall cost.
  • Limitations in Cover: Some customers might find certain limitations in the scope of coverage, depending on the chosen plan.

What Does Prime Meridian Car Insurance Cover?

When it comes to choosing the right car insurance, understanding the specifics of each coverage option is key. Prime Meridian Car Insurance offers a range of plans, each tailored to meet different needs and preferences. Here's an enhanced look at each coverage option, followed by a comparative table for clarity.

Comprehensive Car Insurance

PMD’s Comprehensive Car Insurance is the all-encompassing safeguard for your vehicle. It includes:

  • Write-off and Accident Coverage: This provides extensive protection against the complete loss of your vehicle, whether due to an accident, theft, hijacking, or natural disasters such as floods or fires.
  • Third-Party Liability Protection: In cases where you’re legally responsible for damage or injury to a third party, this coverage ensures you’re protected for up to R1 million per incident.
  • Glass and Hail Damage Cover: Specifically addressing less common but costly damages, this cover ensures that expenses from hailstorms or broken glass are not a concern for the policyholder.

Customised Car Insurance

Designed for flexibility and personalisation, the Customised Car Insurance plan offers:

  • Market Value Protection: In the unfortunate event of your car being written off due to an accident, natural disaster, theft, or hijacking, this cover ensures you receive compensation equivalent to the market value of your vehicle.
  • Growing Accident Cover: A distinctive feature, this cover progressively increases over time, providing enhanced protection for smaller, more frequent accidents, a true reflection of how cars depreciate over time.

Third-Party PLUS Car Insurance

An affordable yet essential cover, the Third-Party PLUS Car Insurance includes:

  • Third-Party Vehicle Liability Protection: Offering up to R500,000 coverage per incident, it’s an essential safeguard if you’re responsible for damage to someone else’s vehicle.
  • Growing Cover for Smaller Accidents: This unique aspect of the plan allows for an increasing coverage amount, ensuring that the policy keeps pace with your car’s changing market value.

Comparative Table of PMD Car Insurance Coverages

Feature/Coverage Comprehensive Customised Third-Party PLUS
Write-off and Accident Coverage Yes Yes Limited
Third-Party Liability Protection Up to R1m Up to R500k Up to R500k
Glass and Hail Damage Cover Yes Yes No
Market Value Protection Yes Yes No
Growing Accident Cover No Yes Yes

How Does PMD Cover Work?

PMD’s insurance plans are designed to offer both comprehensive and customisable options. Whether you opt for the extensive protection of the Comprehensive plan, the tailored approach of the Customised plan, or the essential coverage of the Third-Party PLUS, PMD ensures that you have the necessary protection for your motoring needs.

What is the Excess for PMD Car Insurance and How does it Work?

Excess in insurance is the amount you pay when making a claim. PMD’s innovative approach includes an option for a reduce-to-zero excess, providing a unique benefit where the excess can be reduced to zero under certain conditions, further easing the financial burden in the event of a claim.

How to Get Prime Meridian Car Insurance Quote Online?

Visit PMD's Website: Navigate to the quote section on PMD's official website.

  • Input Details: Provide necessary personal and vehicle information.
  • Receive Customised Quote: Based on the provided details, PMD will offer a tailored quote that matches your needs.

How to Quote Online in Quotes Advisor?

Quotes Advisor provides an additional platform for comparing quotes from different insurers, including PMD, helping you make an informed choice.

How Do I Contact PMD Insurance South Africa?

Getting in touch with Prime Meridian Direct (PMD) Insurance in South Africa is straightforward and customer-friendly. Here are the key contact details:

  • PMD Insurance Contact Number: Reach PMD directly at 011 745 7800 for immediate assistance.
  • PMD Car Insurance Email Address: For queries, support, or feedback, email PMD at

Remember, these contact points are vital for inquiries, claims processing, or any assistance related to your car insurance policy.

PMD Car Insurance Reviews

Exploring customer reviews is a critical step in assessing the credibility and service quality of an insurance provider.

Hello Peter Price Review

Hello Peter, a renowned review platform, features numerous customer reviews on PMD. The high trust index and positive feedback reflect PMD's commitment to quality service and customer satisfaction.

Trustpilot Prime Meridian Car Insurance Reviews

Similarly, Trustpilot hosts reviews that highlight PMD's efficiency, reliability, and the value of its insurance offerings. These reviews serve as a testament to PMD's standing in the South African insurance market.


Prime Meridian Car Insurance emerges as a robust contender in South Africa's insurance landscape, offering a blend of affordability, flexibility, and comprehensive coverage. From customisable plans to a reduce-to-zero excess option, PMD caters to a diverse clientele, ensuring that each customer finds a plan that aligns with their needs and budget.


How Do I Claim PMD Insurance?

Filing a claim with PMD is a streamlined process:

  1. Report the Incident: Notify PMD within 48 hours of the incident via their Mobile App or by calling their helpline.
  2. Complete Documentation: Fill in the required claim forms and provide necessary documents and photos.
  3. Vehicle Inspection and Estimate: PMD will arrange for an inspection of the vehicle and provide a repair estimate.
  4. Towing Arrangements: If necessary, PMD will assist with towing services.

Writer: Cristian Rennella

Update: 29/02/2024

Preguntas Frecuentes

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.

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.

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. 

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