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Prime Meridian Direct Car Insurance Review 2023

Prime Meridian Direct Car Insurance

Prime Meridian Direct car insurance covers up to 100% of the retail value of your vehicle. PMD car insurance covers third-party vehicle liability for up to R1 million. There is also a free accidental death cover of R10,000.00 for those who have comprehensive coverage.

Prime Meridian Direct (PMD) offers car insurance products to meet the needs of various motorists. The company prioritizes quality service delivery and has a HelloPeter trust index rating of 9.6 out of 10. When it comes to the best insurance companies in South Africa, PMD ranks 4th on the Hellopeter platform.

Prime Meridian Direct (PMD) offers car insurance products to meet the needs of various drivers. The company prioritizes quality service delivery and has a 9.6 trust index rating out of 10 on HelloPeter. When it comes to the best insurance companies in South Africa, the company is ranked fourth on the Hellopeter platform.

The Prime Meridian Direct Car Insurance solution includes guaranteed premiums. For a period of 24 months, the premiums on the car insurance product you choose remain unchanged. Comprehensive policies have a 6-month additional early claims excess and a basic reduce-to-zero excess.

Car insurance policies from PMD can be personalised. This allows policyholders to design the ideal car insurance product for their needs. Car insurance claims are processed quickly. Claims can be submitted through the Prime Meridian Direct website and are handled as soon as they are received by the insurer.

The PMD car insurance options are discussed further below.

Prime Meridian Direct Car Insurance Products

South Africans can choose from 3 types of car insurance products offered by PMD. Comprehensive coverage, customised cover, and third-party plus cover are all available for car insurance products from PMD. The car insurance products are discussed in greater detail below.

PMD Comprehensive Car insurance 

Prime Meridian Direct comprehensive car insurance provides coverage for a broader range of events. The product is capable of reducing the excess to zero. The premiums for comprehensive coverage are locked in for at least 24 months. Customers who purchase comprehensive cover receive write-off and accident cover.

The product covers numerous occurrences, as a result, hail storms, floods, earthquakes, and other natural disasters are covered by PMD. Other uncontrollable events, such as theft and hijacking, are also covered under this policy.

PMD comprehensive car insurance protects the policyholder’s vehicle up to its full value. If the policyholder reduces the amount of their monthly premiums, the retail value cover can be reduced. Third-party vehicle liability protection is also included. Customers are protected if they cause damage to third-party property. Third-party vehicle liability insurance can cover up to R1,000,000.00.

Customers can also get roadside assistance and towing. This service is available 24/7. Comprehensive car insurance is not available for all vehicles. Only vehicles 15 years old or newer are eligible for comprehensive coverage.

Customised Car Insurance 

Prime Meridian Direct customised car insurance is a type of car insurance that protects the policyholder in the event of a write-off with a zero-excess policy. Accidental write-offs, natural fires, natural disasters, or theft and hijacking are covered by the product. The premiums for the customised cover are fixed for a set period of time.

The customised car insurance also includes third-party liability coverage. Third-party liability coverage is available for up to R500,000.00 per incident. If you accidentally damage someone else’s property or vehicle, you’re covered through this benefit. The insured car’s market value is insured up to 100% of its value.

Your vehicle’s hail damage is covered. Hail damage coverage is available up to R20,000.00. Glass is also protected by Customised Car Insurance. If your vehicle’s glass is accidentally damaged or needs to be replaced, PMD will cover the cost of replacing it.

Third-Party Car Insurance 

Prime Meridian Direct third-party car insurance covers one’s car if they have been involved in an accident. Third-party car insurance comes with fixed premiums. The cover has its own limitations and offers the lowest benefits of any insurance product offered by Prime Meridian Direct. One can expect to pay lower premiums for third-party car insurance when compared to the rest of the insurance products. 

Accidental third-party liability is covered by third-party car insurance. The cover is capped at R500,000.00 protection for third-party liability. Furthermore, the R500,000.00 protection cover is for a single incident. Hail damage to your motor vehicle also forms part of the insurance product. A Hail cover damage of up to R10,000.00 is available. 

Smaller incidents are covered under third-party car insurance. Small accidents cover is on a growing benefit basis up to 100% of market value. 

Advantages of Prime Meridian Direct Car Insurance 

  • Premiums are guaranteed not to change for a specific period of time. 
  • Third Party liability is available on all car insurance plan. 
  • The company has a very high trust index on Hellopeter. 
  • There is an accidental death cover on the comprehensive plan. 
  • Excess Payment can be reduced to R0.00. 
  • A vehicle can be covered for its retail value.
  • There is 24/7 roadside assistance. 

Disadvantages of Prime Meridian Direct Car Insurance 

  • Motor vehicles that are over 15 years old cannot be insured by PMD. 
  • There is no cash back if you are claim free for a certain period. 


The Prime Meridian Direct Car Insurance Solution insures both newer and older vehicles but can only cover vehicles that are less than 15 years. The products available are adequate; however, the company can improve by offering more car insurance options.

Catering to special car owners and their accessories can be a great way for a company to grow. Overall, the company provides satisfactory services, as evidenced by the positive feedback from customers on the Hellopeter platform and on Google reviews.



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