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Affordable medical aid
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Car & home insurance

Safety Returns rewards you for being safe

Every small step towards making you and those you love feel safe, will earn you Safety Returns.

Points earned
930
Premium*
R800
Yearly Safety Returns earned to date
R240
Building insurance
50 points
Safe Dayz activated
60 points
Safe Dayz earned in month
22
600 points
Safety Alert activated
120 points
No claims submitted in month
100 points
Points earned
930

Kyle earned 930 monthly points for activating and engaging with safety features. This is between 800 - 999 points that earned him 2.5% cashback on his premium for the month. 2.5% multiplied by the premium of R800 is R20.

R20 was added to his yearly cashback amount, which is now R240.

Points earned
1 030
Premium*
R1 350
Yearly Safety Returns earned to date
R810
Car insurance
50 points
Safe Dayz activated
60 points
Safe Dayz earned in month
27
800 points
Safety Alert activated
120 points
Windscreen claim submitted, but not via self-service on the Momentum App
0 points
Points earned
1 030

Ameerah earned 1 030 monthly points for activating and engaging with safety features, but unfortunately lost out on points for not logging her qualifying claim via the self-service functionality on the Momentum App. This is between 1 000 - 1 199 points that earned her 5% cashback on her premium for the month.

R67.50 was added to her yearly cashback amount, which is now R810.

Points earned
1 475
Premium*
R1 600
Yearly Safety Returns earned to date
R2 880
Car and Contents insurance
100 points
Safe Dayz activated
60 points
Safe Dayz earned in month
28
800 points
Safety Alert activated
120 points
Safety Score questionnaire completed
120 points
Safety Score achieved
70%
175 points
No claims submitted in month
100 points
Points earned
1 475

Thabo earned 1 475 monthly points for activating and engaging with safety features. This is between 1 400 - 1 599 points that earned him 15% cashback on his premium for the month.

R240 was added to his yearly cashback amount, which is now R2 880.

Points earned
1 600
Premium*
R1 470
Yearly Safety Returns earned to date
R5 292
Car, Building and Contents insurance
150 points
Safe Dayz activated
60 points
Safe Dayz earned in month
30
800 points
Safety Alert activated
120 points
Safety Score questionnaire completed
120 points
Safety Score achieved
87%
250 points
Hail claim submitted via self-service on the Mometum App
100 points
Points earned
1 600

Lesego earned 1 600 monthly points for activating and engaging with safety features and making use of the self-service claim fucntionality on the Momentum App. This falls within the maximum points band that earned her the maximum monthly cashback of 30% on her premium for the month.

R441 was added to her yearly cashback amount, which is now R5 292.

*Premiums are risk profile dependent.

How do I earn Safety Returns?

Safety Returns is available to all active car and home insurance policyholders at no additional cost. The combined result of your Safety Score, Safe Dayz earned, Safety Alert activation and other safety features determines your yearly cashback.


  • Activate Safety Returns

    Earn up to 30% cashback every year, even if you claim.

    To get started, you must be a Momentum Insure car and home policyholder, download the Momentum App, log in with your website details and accept the Safety Returns terms and conditions.

  • Safe Dayz™

    Safe Dayz records your journeys and measures safe behaviour whether you're driving, a passenger or even on a train.

    If your daily score is 80% or more, you earn a safe day. The more Safe Dayz you earn, the better your rewards.

  • Safety Alert

    A panic button available on the Momentum App, at no extra cost, for policyholders and one nominee.

    Get access to 24/7/365 emergency response, plus a real-time map that lets you track the responder on the way to you.

Car and home insurance FAQs

A regular driver is the person who drives the vehicle most often in any monthly period. Our premiums are charged based on the profile of the regular driver, meaning if a different driver from the one noted on the premium is considered the regular driver, then the monthly premium is incorrect and will not be covered.

For example, if a ‘regular driver’ (45-year-old) lets a driver (18-year-old) drive their vehicle to university daily without notifying us, we will charge a premium based on the profile of the ‘regular driver’ (45-year-old) rather than on the profile of the 18-year-old driver. This simply means we are receiving an incorrect premium, therefore, the vehicle is not covered. If the ‘regular driver’ changes, make sure you notify us immediately for continuous cover.
Yes, in order to have cover, it is vital that you insure your vehicle for the correct use.
Your vehicle is covered in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe when used for private purposes.

If your vehicle is insured for business use, it is not covered while being used for business purposes outside South Africa unless you have selected the specific optional cover for business use in countries outside South Africa.
Always inform us immedicately if the address of where the vehicle is kept changes to have continuous cover and a valid claim.
You may need to fit additional anti-theft devices in your vehicle depending on what's noted on your policy.
No, these must be specified under Personal Belongings Insurance.
Yes, we will cover you for loss or damage to household goods temporarily removed from your home, like your coffee machine or decoder, etc. The cover provided is limited to 10% of the sum of contents insured.
Always inform us of a change of address to have continuous cover and a valid claim.
You must inform us of this for continuous cover and a valid claim.

Latest awards

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Forbes World’s Best Insurance Companies

Momentum Insure was recognised in Forbes' 2026 lists of the World's Best Auto Insurance Companies and World's Best Homeowners Insurance Companies.

FIA logo.

FIA Intermediary Experience Awards

Momentum Insure was awarded 2nd place in the FIA Intermediary Experience Awards in the Personal Lines category for short-term insurance.

DataEQ logo.

Insurance Sentiment
Index

Momentum Insure was recognised for strong client sentiment and trust and ranked among South Africa’s top 5 insurers in the 2024 Insurance Sentiment Index.

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