PMD is a NO NO NO

NO NO NO NO, don't be fooled by their low premiums and empty promises So much hidden costs, you wont believe!!! The worst of it, Credit shortfall according to PMD is 20% of the vehicle retail value, Insurance norm is: Credit Shortfall = the difference between the Retail & Settlement of the vehicle, to settle the account with the bank. which is the reason one takes credit shortfall to ensure if your vehicle is written off your Loan with the bank is settled

you cannot drive your vehicle on a gravel road and have an accident you will pay an additional R1500 excess you cannot drive your vehicle between 23:00 & 05:00 & have an accident you will pay an additional R1500 excess you cannot arrange a tow truck, even if they are contracted to PMD, if you don't use the App to get the tow truck out, even if your phone battery has died and you are standing in the middle of an accident scene, alone, stressed in shock, will not be taken into consideration - you will pay an additional R1500 excess