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Car insurance is an important financial tool that protects you against the cost associated with theft or damage to your motor vehicle. Shopping for car insurance can be a nightmare, and with so many options available to the consumer, it might seem like entering a maze of options!

This is where Insurance Options comes in. Insurance Options can help you find the perfect car insurance deal, simply, quickly and all for free! Whether you are looking to insure your brand new BMW, or your son’s old jalopy, Insurance Options will ensure you are making an informed decision

Fill in our contact form and receive free quotes from S.A’s most reputable insurers

What are the different plans available?

Depending on the insurer, car insurance plans are normally broken up by the following:

Comprehensive Car Insurance

This is the complete package that offers the highest level of cover for you and your passengers. It often comes with a list of added benefits. If you are financing your car you will be required to take out comprehensive car insurance.

Third Party Cover

This is a basic level of cover that will protect your car from theft, loss or damage as well as natural disasters. It does not cover damage to other vehicles where you are responsible. If you are driving a second hand car and you are looking for a more affordable option this is ideal.

Special Bundle Car Insurance

Some of our insurance partners cater for the following:

  • 4x4 Insurance
  • Classic Car Insurance
  • Motorbike and Quad insurance

These are custom bundles which are available with some of our partners, for more information please complete the form on the page

What is my car covered for?

Depending on the type of cover you choose, you can be insured against:

  • Any damage to your vehicle caused by a car accident
  • Hijacking and theft
  • Damages caused to another vehicle where you are responsible
  • Natural disasters such as hail and fire
  • Free towing recovery
  • Free roadside assistance
  • Windscreen repair or replacement

Anything else I need to consider?

If you are opting in for the comprehensive plan, there are many additional benefits you can add into your plan for a small increase to your premium. I have highlighted the two I feel add the most value:

Scratch and Dent – There are many inconsiderate people that will bump or scratch your car when parking at the shops. Scratch and Dent repairmen come to your location and fix the small dents and scratches making your baby look brand new

Tyre Cover – If you live in an area with bad roads and potholes this type of cover can really add value and should not be overlooked.

Prime Meridian Direct (Pty) Ltd is an Authorised Services Provider, FSP 41040. Policy benefits are underwritten by Santam Structured Insurance Limited, a registered short-term insurer and Authorised Financial Services Provider, FSP 1027. *Premiums for the Prime Comprehensive and Customised Cover Plans are fixed if you do not submit a claim. ** The Growing Benefit Amount for the Prime Third Party Plus policy is subject to specific T&C’s.
*** Glass and windscreen cover subject to T&C’s.
Terms and Limitations Apply.

Third parties are remunerated for their services to the brand.
This site and its contents do not constitute financial advice.

For policy terms and conditions visit or contact us on 011 320 3000.

Terms and conditions apply


  • Insurance Options, only deals with South Africa's most reputable insurance companies.
  • All you need to do is fill in one simple form and we will send your details on to the relevant companies who will call you back to discuss a quote.
  • Insurance Options gives you a quick and easy way to compare quotes and ensure that you are getting the deal that best suits you.
  • Insurance Options takes out the hassle that one typically goes through while trying to compare quotes.
  • Simply sit in the comfort of your own home and decide which company you want to deal with.