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PRIME MOTORTHRIFT
FROM R150 PM

Protects you in the event of:

Total loss through:

  • Natural fire & disaster
  • Theft or Hijacking
  • Accidental write-off

3rd Party liability:

  • Protection up to R500,000
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PRIME MOTOR COVERGROW
FROM R149 PM

Contributes in part or in full to repairs or loss in the event of:

Loss through:

  • Motor vehicle accident
  • Theft or Hijacking
  • Natural fire or disaster

3rd Party liability:

  • Protection up to R500,000
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PRIME MOTORASSIST
FROM R49 PM

LITE STD PLUS+
24 hour roadside assistance tick-icon tick-icon tick-icon
Minor dent & scratch protection tick-icon tick-icon
Mechanical & electrical component warranty tick-icon

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PROVIDES COVER FOR

PRIME MOTORTHRIFT
FROM R150* PM

PRIME MOTOR COVERGROW
FROM R149* PM

PRIME MOTORASSIST
FROM R49* PM

Total loss through:
Fire & natural disaster
Theft & hijacking
Accidental write-off
tick-icon OPTIONAL
3rd Party liability:
Protection up to R500 000
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Growing cover for accidents and losses OPTIONAL tick-icon
Nationwide 24 hour roadside assistance:
Optional Mechanical & electrical warranty
Optional Minor dents & scratch protection
OPTIONAL OPTIONAL tick-icon
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PRIME MOTOR COVERGROW

PRIME MOTORTHRIFT

Traditional Comprehensive

Designed for people who cannot afford OR who are struggling to afford or maintain comprehensive insurance. Designed for people who cannot afford OR who are struggling to afford or maintain comprehensive insurance. Designed for individuals who can afford higher motor insurance premiums and who require immediate cover for the full value of their vehicle.
Very low monthly premiums – most affordable option. Low monthly premiums – affordable alternative to comprehensive motor insurance. High monthly premiums (comparatively). Where premium rates are similar, a large claims excess may possibly apply.
No excess to pay when claiming. No excess to pay when claiming but vehicle must be written-off for benefits to apply. Various excess payments may apply that cumulatively can become quite large. E.g. Some insurers charge an additional excess where the loss occurs at night or on weekends.
Premium rates never increase! Premium rates never increase! Premiums rates increase annually or after a claim is paid.
Limited to 2 repair claims p.a. (1 in the first year) No annual limit. No annual limit.
Non-discriminatory underwriting method. No race, gender, residential, garaging, tracker or other differentiation. Non-discriminatory underwriting method. No race, gender, residential, garaging, tracker or other differentiation. Risk profiling – generally people living in less desirable areas with lesser security protections are charged the highest premium rates.
Covers ALL motor vehicle accidents but the level of indemnity is subject to a Growing Benefit Amount that escalates very month from inception or most recent reinstatement. With the passing of time, the Growing Benefit Amount equals the value of the vehicle and is sufficient to cover the whole of most common accidents. When this occurs, comprehensive-like benefits effectively apply. Covers the Total Loss of your vehicle in the event of accidental write-off. Where the optional ACB benefit is selected, comprehensive-like benefits eventually apply in addition to the immediate total loss benefits provided by this policy. Fully covers ALL motor vehicle accidents but is usually subject to an excess.
Includes 3rd party protection up to R500,000. Includes 3rd party protection up to R500,000. Includes 3rd party protection.
Does NOT cover towing and storage – but optional benefits do. Covers towing and storage in the event of write-off up to R 5,000 - optional benefits can extend towing cover further. Covers towing and storage for all accidents up to given limits.
Does cover theft and hijacking but the level of indemnity is subject to a Growing Benefit Amount that escalates every month from inception or most recent reinstatement. Covers theft and hijacking. Covers theft and hijacking.
Covers loss from natural fire or disasters. Hail damage claims are limited to a maximum indemnity level of R10,000 Covers total loss from natural fire or disaster but excludes hail damage. Hail is covered under optional ACB benefit up to R10,000. Covers losses arising from natural disaster including hail.
Does NOT cover internal contents of your vehicle. Does NOT cover internal contents of your vehicle. Some policies make a limited allowance for loss of vehicle contents.
Does NOT cover the cost of replacing a cracked windscreen – but optional benefits do. Does NOT cover the cost of replacing a cracked windscreen – but optional benefits do. May cover the cost of replacing a cracked windscreen but usually an excess applies.
Cover commences once the first premium is paid and all required photographs of the vehicle have been received or alternatively once 6 consecutive monthly premium payments have been received when due. Cover commences after the 1st premium where an activation premium is paid otherwise after 3 consecutive premiums, however the required photographs must have been received by the Insurer before cover commences. Where no required photographs have been received by the Insurer, cover will commence after six consecutive premium payments. Cover commences after receipt of first premium plus any required initiation fee may be required as well as a pre-inspection on your vehicle.
Only nominated drivers are covered. Only nominated drivers are covered. Usually any licensed driver can drive the vehicle provided it’s with the policyholder’s permission.
Does NOT cover car hire following an accident – but optional benefits do. Does NOT cover car hire following an accident – but optional benefits do. Often includes limited car hire provisions following an accident or loss.
OPTIONAL BENEFITS OPTIONAL BENEFITS OPTIONAL BENEFITS
PRIME MOTORASSIST – 24 hour Nationwide Roadside Assistance PRIME MOTORASSIST – 24 hour Nationwide Roadside Assistance
Windscreen Replacement Windscreen Replacement
Towing extension – adds towing indemnity for breakdowns and accidents. Towing extension – increases towing indemnity levels and adds cover for breakdowns and lesser accidents.
Car Hire Extender Car Hire Extender
Accident Contribution Benefit – covers lesser accidents and hail damage with an increasing amount of cover each month.