WORST CAR INSURANCE

Prime Meridian Insurance is one of the WORST DECISIONS I have made in 2024!

Upon filing the claim, I was informed by the claims assistant that my policy is under a "growing cover," which, I was told, limits my insurance payout to the accumulated amount in the growing cover, totalling R6,000. I expressed my concern to the agent, as I was initially informed that the growing cover was intended only for minor incidents—such as scratches, paint touch-ups, or minor fender benders—not for major accidents. My car, however, was involved in a significant accident, which I documented with photos and a repair quote indicating extensive damage, including two new doors (driver and left passenger), front and back bumpers, middle section replacement, and paintwork.

Despite this, the claims assistant insisted that only the R6,000 cover would apply but assured me that she would escalate the matter to the legal department for review. Subsequently, Palesa Khantsi from the legal department contacted me via email, stating that she had reviewed my sales calls and believed I was adequately informed of the growing cover benefits. When I attempted to discuss this further with Palesa, I was informed that she no longer worked at Prime Insurance as of the previous Friday.

I then spoke with Malebo, the claims agent, to explain that I did not feel adequately informed during my initial sales call. During the sales call, Nqobile, the sales agent, outlined that the primary distinction between the customised cover and comprehensive cover was the “open driver” feature and the coverage basis (retail or market value). When I specifically inquired about the growing benefit, she clarified that it was only applicable to minor accidents, like scratches or fender benders, and assured me that my car would be covered in case of a major accident. I explained all of this to Pearl Mazibuko in legal, but she maintained that all statutory disclosures were made, and I accepted the policy terms accordingly.

I purchased this insurance policy based on Nqobile’s representation, comparing it to my existing comprehensive cover with Budget Insurance, which provided full coverage for the car’s retail value. Nqobile assured me that Prime’s comprehensive and customised cover options were similar, implying that Prime would fully cover my car in the event of an accident. However, my current experience with Prime is falling short of these assurances, leaving me with a damaged car and insufficient coverage.

Now a month and a half later Prime is closing my claim with no resolution, when I try to speak to Pearl Mazibuko I'm put on hold and she is NEVER available to take my calls. I also tried asking the switch board to transfer me to anyone else in legal and NOT A SINGLE PERSON in the entire department is available. I have provided Santam, Prime's Insurer, with evidence supporting my claims, the claims agent agree that Nqobile mislead me yet Prime is refusing to Help.

I don't recommend this insurance to anyone. DO NOT DO IT