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Why you should use our services?

Response was quick, sales agents were professional. Got a competitive price and settled for the second cheapest (I liked the good rating the company got)
Ryan Schoeman (19, Cape-Town)
Sent my details, got ​a good quote and finalized the policy. Was easy and quick. I ​don’t always find decent service these days – ​so ​Thanks
Andzile Delamini (23, Soweto)
Insurence ‘shopping’ is usually a headache, but it took me 30 seconds to fill in a form, and within no time I received a couple of quotes, one of which was actually better than my existing insurer – so I saved time and money. Baie Dankie
Rene, Degroute (45, JHB)

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Prosper

December 6, 2014 - insurance companies
0

About Prosper

Although Prosper has its own website and may seem like an insurance company, it is in fact a line of insurance products offered to customers by Budget Insurance. Budget Insurance (and therefore Prosper) is part of the large Telesure Group, which includes a selection of other insurance companies such as Unity Insurance, Auto and General, Dial Direct, and First for Women. Unfortunately, the Prosper website doesn’t offer much information about the history of the product line, though they do state that they focus on providing easy to understand insurance solutions.

Where is Prosper Located?

The head office of Prosper Insurance is located on the 17th Floor of 25 Owl Street, Milpark, Johannesburg 2092. In addition, there is a mailing address for the company at: P.O. Box 11250, Johannesburg 2000.

Which Services Do Prosper Insurance Provide?

As a short term insurer Prosper provide for a range of insurance policies. These include watercraft, portable possessions, buildings and home contents insurance, as well as vehicle insurance.

Vehicle Insurance with Prosper

Prosper Insurance offers four different car insurance policies, depending on what kind of coverage you’re looking for. These four policies are:

  • Comprehensive Cover, which covers your vehicle against theft and accidents as well as covering you for any damage to other people or their vehicles that’s caused by an accident;
  • 3rd Party, Fire and Theft, which covers you if your car is stolen or is damaged by lightening, fires or explosions. This policy does cover damage done to other people or their vehicles in an accident, but does not cover damage done to your car in an accident;
  • 3rd Party Only, which covers only damage done to others or their vehicles in an accident, but does not cover any damage to your own vehicle or theft;
  • Off-Road Comprehensive, which is identical to the Comprehensive Cover option but is designed for 4×4 vehicles that may be damaged whilst off roading.
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Added Extras from Prosper

In addition to their four basic vehicle insurance policies, Prosper Insurance also offer some additional features to their customers. These include:

  • Access to 24 hour helplines for legal assistance, trauma assistance, medical assistance, breakdown and accident assistance (not included with 3rd Party Only policies);
  • The ability to add Prosper Rewards to your policy, paying you your first year of premiums or 25% of your total premiums back if you do not make a claim for four years, as well as waiving premiums for up to six months in the case of retrenchment, disablement, injury or death.
  • The option to add another Prosper policy (funeral insurance, personal accident insurance, cellphone insurance or trauma and medical assistance in the case of HIV exposure) to your vehicle policy at lower cost;
  • A “like-new” benefit that can be added for R250 per month and which will cover repairs to light scratches (no more than 15cm in length), small dents (no more than 15cm in diameter) and chips (no bigger than 3mm in diameter).

How Are Prosper’s Consumer Reviews?

Hellopeter, the website that allows consumers to rate service providers, does not provide any reviews of Prosper from the last twelve months. This is probably due to the fact that Prosper is technically a product of Budget Insurance, rather than a stand alone company. Budget Insurance do show 991 reviews on Hellopeter, of which 602 are positive, meaning almost two thirds of reviews compliment the company. A few reviews criticized unwanted spam messages, but many praised Budget’s good customer service. However, since we don’t know whether Prosper and Budget Insurance both use the same customer service network we’re not sure whether we can judge Prosper based on Budget’s reviews.

How User Friendly is the Prosper Insurance Website?

The Prosper website was easy to navigate and easy to read, which is always positive. Their policy overviews contain few technical car insurance terms and definitions, meaning that you don’t need to be an expert to read them! There are only two small things that we thought might improve the website. One is that Prosper don’t offer much information about themselves, and since customers tend to like to know who they’re buying from a little more detail would be nice. The second thing is that although drop down menus on every page made navigation easy, you can’t open menu options in a new tab (you must open them in your original window). That makes comparing pages a little more time consuming than it could be. Overall though, our impression of the Prosper website was quite a good one.
Prosper  cr- OrangeSky3 - http://tinyurl.com/p4devpc

Prosper in Summary

Prosper is technically a range of products offered by Budget Insurance, and they offer four car insurance options. Though we couldn’t find customer reviews of Prosper themselves, reviews for Budget Insurance were relatively good. When shopping for car insurance comparison is key, therefore we do recommend getting quotes from three or four different companies before making that final decision. This means that you’ll not only get the policy that’s right for you, but you’ll save yourself Rands too!

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* We do not represent any of the companies, services or products mentioned or published on this website. We are not a financial services provider or an insurance provider. If you request a quote, it may not necessarily be given by the company reviewed on that specific page. Any decisions you make based on the information presented is at your own discretion. We advise that before making any legal, financial and/or medical decision you consult with the relevant professional.

Main subject: Prosper

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Why you should use our services?

Insurence ‘shopping’ is usually a headache, but it took me 30 seconds to fill in a form, and within no time I received a couple of quotes, one of which was actually better than my existing insurer – so I saved time and money. Baie Dankie
Rene, Degroute (45, JHB)
Sent my details, got ​a good quote and finalized the policy. Was easy and quick. I ​don’t always find decent service these days – ​so ​Thanks
Andzile Delamini (23, Soweto)
Response was quick, sales agents were professional. Got a competitive price and settled for the second cheapest (I liked the good rating the company got)
Ryan Schoeman (19, Cape-Town)

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Carinfo.co.za ("the website") is not a financial services provider and does not represent any of the insurance companies presented. All content on the website is for informational purposes only and does in no way constitute legal or financial advice. We advise that before making any financial decision you consult with a professional of your choice. Although Carinfo allows some insurance companies to advertise on the website, you are not required to respond to such advertising. If you do so, it is at your own will and Carinfo will not be held liable in any shape or form for damages, direct or indirect, resulting from any decision you make based on the information on the website.