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Car Insurance

Momentum’s Car Insurance is here for you to turn your turmoil into tranquillity and give you peace of mind on all your road trips. It also includes cover for motorcycles, caravans, trailers, and light delivery vehicles.

  • Tailored to your car insurance needs.
  • We reward you with cashbacks for being safe.
  • You get free 24/7 emergency roadside assistance.

Momentum's Car Insurance options

We offer three options, each with premiums based on your individual needs, so you can choose just the right amount of cover for yourself.

Comprehensive cover

  • Liability to other people
  • Towing and storage
  • Fire, theft and hijacking
  • Accident, explosion and acts of nature

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The most valuable Car Insurance that offers all-inclusive protection.
You’re covered when another party makes a claim against your policy in the case of an accident.
For any towing or storage needs you will be covered for the cost.
You’re covered against loss or damage of your car caused by fire, theft, and hijacking.
You’re covered in the event of your car being damaged or destroyed in an accident, explosion or acts of nature.

Limited cover

  • Liability to other people
  • Towing and storage
  • Fire, theft, hijacking
  • Accident, explosion and acts of nature

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The cover that takes care of the essentials.
You’re covered when another party makes a claim against your policy in the case of an accident.
For any towing or storage needs you will be covered for the cost.
You’re covered against loss or damage of your car caused by fire, theft, and hijacking.
Cover does not include accident, explosion and acts of nature.

Third party

  • Liability to other people
  • Towing and storage
  • Fire, theft, hijacking
  • Accident, explosion, acts of nature

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The basic cover that protects you against liabilities.
Covers any loss or damage to someone else’s car, when you were the fault of the car accident.
Cover does not include towing and storage cost.
Cover does not include fire, theft or hijacking cost.
Cover does not include accident, explosion and acts of nature.

Why Car Insurance is important

It is vital as it provides you with financial protection and peace of mind when your car is stolen, hi-jacked, or damaged in an accident.

It's necessary to insure your car, especially if it's still financed with a bank to protect you from excessive debt in the event of theft or your car being written off.

Our Car Insurance benefits


No matter how big or small your claim, we will always be here for you!

Close up of a man’s arm resting on the steering wheel of his car with a camera on the dashboard. He is wearing a watch and long-sleeved blue suit jacket.

We get you home safely

You can book a ride home with HomeDrive, when you’re not in a position to drive.

A red car has experienced a breakdown in a residential suburb and is being hooked up by the tow truck so it can be towed away.

Free 24/7 roadside assistance

You can rely on Momentum Assist to be there for you when your car breaks down.

Silver 4 X 4 driving on a dirt road in a mountainous area, surrounded by shrubs and dried grass.

Momentum Explorer

Add this on if you have a 4X4 especially when you are travelling to neighbouring countries.

How we reward you

We offer you simple ways to get rewarded with Momentum Car and Home Insurance.

Red Momentum Multiply logo
Our world-class wellness and rewards programme

When you take out Momentum Car and Home Insurance, you automatically get Momentum Multiply Starter, the base tier of Momentum’s rewards programme. All you need to do is activate Safe Dayz™ on the Momentum App and complete the quick and easy Safety Score questionnaire, and you’re well on your way to earning cashbacks. You also get discounts from Multiply’s partners like Pick ‘n Pay, Edgars, Takealot, Mango and more.

Want to know more?

What if I am noted as the regular driver on my car, but someone else drives it more frequently?


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 to the premium is considered the regular driver the monthly premium is incorrect and will not be covered.

For example, if you “regular driver” (45 year old) lets driver (18 year old) drive “regular driver” vehicle to university daily without notifying us, we will charge a premium based on the profile of “regular driver” (45 year old) rather than on the profile of driver (18 year old). This simply means we are receiving an incorrect premium and the vehicle is not covered. If the “regular driver” changes, make sure you notify us immediately for continuous cover.

Does it matter if the vehicle is used for private or business purposes?


Yes, in order to have cover, it is vital that you insure your vehicle for the correct use.

In which countries is my vehicle covered?


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.

What if the address of where the vehicle is kept as noted on the policy, changes?


Always inform us immedicately if the address of where the vehicle is kept changes to have continuous cover and a valid claim.

Do I need anti-theft devices, like a tracker, in my vehicle?


You may need to fit additional anti-theft devices in your vehicle depending on what's noted on your policy.

Want a quote?

Let us call you back with a quote that suits your needs.

Need advice?

Discuss the benefits of having Car and Home Insurance with us.

Contact Car and Home Insurance

Roadside and emergency services




Available 24 hours a day, 7 days a week, 365 days a year.

Sales, client services and claims





Business hours are Monday to Friday from 08:00 to 18:00. Saturdays from 08:00 to 13:00. Closed on Sundays and public holidays.

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