Who is Prime Meridian?
Prime Meridian or Prime Meridian Direct is a financial service provider that offers both short and long term insurance products, with one of their most popular products being Prime Meridian Car Insurance. They are part of the Palaeo Financial Services Group, which was established in 2002. Prime Meridian is also a member of the Direct Marketing Association of South Africa. According to their website, Prime Meridian has a reputation for prioritizing client needs, as well as offering relevant, affordable insurance to the South African community. Additionally, the website also states that with the company’s years of experience, their products and service reflect their knowledge and expertise.
Where is Prime Meridian located?
Prime Meridian’s physical address is Prime Meridian House Bryanston Gate170 Curzon Road (Corner of Main Road and Homestead Avenue) Bryanston, JHB. Their postal address is Postnet Suite 430 Private Bag X51 Bryanston 2021.
What services does Prime Meridian offer?
Prime Meridian offers personal insurance, hospital insurance and car insurance.
Prime Meridian Car Insurance:
Prime Meridian Car Insurance offers two plans: The first is the prime motor thrift plan which is their version of typical car insurance. The second is the prime motor assist plan which is similar to what other companies refer to as assistance benefits, which includes scratch and dent coverage.
The Prime motor thrift plan includes:
- Car insurance for accidental write-off (damage must exceed 80% of trade price of the car at the time of the accident);
- Car insurance for theft and hijacking;
- 3rd party protection up to R250,000;
- No vehicle pre-inspection is required;
- Coverage for individuals from age 19;
- Coverage for vehicle up to 15 years old at inception;
- Car insurance for write-off through fire and natural disaster.
The prime motor thrift plan provides the following guarantees:
- That premiums are low;
- That premiums never increase;
- That you pay No excess when claiming;
- That premiums are calculated on a non-discriminatory basis.
Under the prime motor thrift plan, Prime Meridian Car Insurance offers 3 levels of coverage: 50%, 75% or 100% coverage. Obviously the premiums differ based on the amount of coverage you are interested in. The more coverage you want, the higher the premiums will be. But remember, even though it’s a higher premium, you will pay less should you ever need to make a claim in case of an accident, fire, theft, or hijacking.
The Prime motor assist plan benefits include:
- Coverage starting as low as R5 per day;
- Insurance to help retrieve locked keys;
- Reimbursed car hire allowance;
- Coverage for fuel shortages and flat batteries;
- Towing and ten litres of petrol should you run out.
- Insurance to repair mechanical and electrical failures;
- Insurance for providing jump starts and wheel changes;
- Insurance to repair minor dents, bumper scuffs and windscreen cracks/chips;
How user-friendly is the Prime Meridian Car Insurance website?
When landing on the Prime Meridian website, the page stands out with bright colors, large letters and graphics. This serves to grab your attention and invite you to keep navigating. The website also has a simple layout, with small graphics that help guide you to the information you are looking for. Once we started navigating deeper into the website, we discovered the information to be a bit too basic, meaning not as informative as we would like as a potential customer. They do pretty well explaining the products, including those for Prime Meridian Car Insurance, but have limited information about themselves and their history. Overall, we felt that the website could have provided something more about themselves as a company – something that would let the potential customer know what was different about them.
How are the customer reviews for Prime Meridian Car Insurance?
Over the past 12 months, the Review website “hellopeter” shows that Prime Meridian Insurance received only 125 reports of feedback. Of these 125, a whopping 80% were complaints, with only 20% being compliments. So either the customers that are happy are too lazy to file a compliment report, or the majority of the customers aren’t too happy. This is unclear although the above percentages do give a hint of the general feeling. Of the complaints, they received a high percentage in the “feedback/response” category, perhaps reflecting dissatisfaction with customer service. Based on the reviews from hellopeter it would make sense to continue following them for the next few months to see if the trend changes to include more compliments and satisfied customers.
Summary
Prime Meridian is an insurance company that offers life insurance and hospital insurance, as well as Prime Meridian car insurance. While their website emphasizes that their customers’ needs are a priority, the reviews do not necessarily reflect that their customers agree with this. It is also unclear why they have so few reviews on hellopeter over the past year. Is this because they have a small customer base? Are those who are satisfied just not sending in a complimentary report? Or are such a high percentage of customers truly dissatisfied with the service? With a number of questions unanswered, it underscores the importance of our usual advice, which is to make sure to compare online car insurance quotes and do your research before making your decision.
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Main subject: Prime Meridian Car Insurance
