Momentum Car Insurance, a part of the Momentum Metropolitan Holdings Group, is a renowned provider of short-term insurance solutions better know as Momentum Insure. With a diverse range of insurance options, Momentum Car Insurance caters to the unique needs of its customers, whether they’re individual drivers or businesses.
Momentum Insure clients automatically enjoy many personal benefits and rewards at no extra cost. Plus, they have the option to add extra benefits to their cover, tailored to their unique needs, for just a small additional fee.
Download a PDF of all the Momentum Insure car Insurance Benefits and Rewards here: Momentum Insure Benefits and Rewards Dec 2024
Key Features and Benefits
Safety Returns
With Momentum Insure’s Safety Returns rewards program, you can get up to 30% cash back on your premiums every year—even if you’ve made a claim! All you need to do is engage with our safety-focused tools, like the Safety Score, Safe Dayz™, the Safety Alert digital panic button, and other features available on the Momentum Insure App. Best of all, these safety features are included at no extra cost for all Momentum Insure car and home insurance policyholders.
Safe Dayz™
Safe Dayz™ is a free feature available on the Momentum App that uses smart technology to track your driving behavior. You can earn a Safe Day by scoring 80% or higher for safe driving in line with road rules—whether you’re driving, a passenger, or even using public transport like the Gautrain. Plus, you can earn Safe Dayz™ on days you’re not driving, as long as the Momentum App is active on your registered mobile device with GPS turned on while you’re traveling.
The Momentum App
The Momentum Insure App puts all your Momentum products and rewards right at your fingertips. As a registered policyholder, you can use the app to easily submit claims, get a complete view of your products (including medical aid, life insurance, investments, and savings), and activate the Safety Alert feature for immediate armed response when needed. It’s convenience and peace of mind, all in one app!
Momentum Safety Alert
Momentum Safety Alert, available on the Momentum App, is designed to enhance your personal safety. This feature turns your mobile device into a digital panic button, letting you request immediate assistance in emergencies or when you feel unsafe.
As a Momentum Insure policyholder, you can even nominate one additional person to use Safety Alert for free. With access to over 1,800 emergency responders across South Africa, the feature offers real-time tracking of the responding vehicle, continuous updates, and communication until the situation is resolved.
Activating Safety Alert is simple—just press and hold the button for two seconds, and help will be dispatched to your last known location.
Momentum Accident Alert
Stay safe on the road with Momentum Accident Alert! Activating this feature is quick and easy—just follow these steps:
- Make sure you’re a Momentum Insure car and home insurance policyholder.
- Download the Momentum App from the Apple App Store, Google Play Store, or Huawei App Gallery.
- Register for the Safe Dayz™ and Safety Alert features on the app.
- Sign up for Accident Alert by confirming your personal details and accepting the terms and conditions.
- Check your Accident Alert status in the app’s portfolio view.
That’s it! In the event of an accident, emergency services will be dispatched to your location using your phone’s sensor. For added peace of mind, you can also add an emergency contact who will be notified if an accident occurs.
With Accident Alert, you can enjoy greater safety and reassurance on the road.
Momentum Assist
Momentum Assist is here to support you whenever you need it most. This free, 24/7 service provides help during emergencies on the road, at home, or in medical and legal situations.
- Roadside Assistance: Available to all car insurance policyholders for peace of mind while driving.
- Home Assistance: Enjoy support for household emergencies if you have buildings or home contents cover.
- Legal and Medical Assistance: Accessible to all policyholders with car, buildings, or home contents cover.
With Momentum Assist, you’re never alone in an emergency—we’ve got you covered around the clock!
Maxidor Benefit
Momentum Assist has partnered with Maxidor to bring you a 30% discount on all Maxidor Ultra trellis security gates and doors. This exclusive offer is available to all active car and home insurance policyholders, helping you enhance your home’s security and enjoy greater peace of mind.
Optional benefits and rewards for females
Female Breast Cancer Cover
This benefit is designed for our female clients who experience the loss of a breast due to an accident, violent injury, or external trauma within 12 months from the date of the incident. It also covers the first positive diagnosis of a malignant breast tumor by a qualified physician specializing in breast cancer.
Handbag Cover
This cover protects our clients in the event of the loss or theft of a handbag and its contents, offering added security and peace of mind. This is especially useful for the Smash and Grab incidents that plague our South African metros.
Optional benefits
**The following benefits are available to our clients for a small additional premium:
**Momentum HomeDrive**
This optional benefit is available to our car insurance policyholders and ensures you and your car get home safely when you’re unable to drive or simply prefer a personal chauffeur. You’ll receive 6 complimentary trips per year, each limited to a 50km radius from the pick-up point.
**Momentum Explorer**
This optional cover extends to your vehicles, trailers, and watercraft when traveling to neighboring countries. It offers the flexibility of additional coverage for a wider geographical area.
**Momentum Rewarder**
Available to car and home insurance policyholders, this benefit rewards clients who stay claim-free for 4 years. For a small additional premium, clients will receive 15% of the premiums paid during that period as a bonus. If a claim is made (excluding windscreen repairs and roadside assistance), the 4-year period resets, and any rewards are forfeited. A new cycle begins once the claim is settled.
**Tyre Cover**
This benefit is available to our active car policyholders and covers the loss or damage to tyres fitted to the insured vehicle that are accidentally and irreparably damaged. The cover is limited to a maximum of 2 events per year, with no more than 2 tyres covered per event.
**Scratch and Dent Cover**
This cover is available to car policyholders for minor exterior damages to their vehicle, including chips, dents, scratches, and repairs to wheel rims and mag wheels. It also covers an unlimited number of tar removals, helping you keep your car looking its best.
How to Get a Quote
Getting a quote from Momentum Car Insurance is quick and easy. Here’s how you can do it on our website, Compare Car Insurance:
- Visit our website and click on the “Get a Quote” button.
- Fill in the online form with the required information, such as your personal details, vehicle information, and coverage preferences.
- Submit the form, and we will provide you with a range of quotes from Momentum Car Insurance and other major car insurers.
- Compare the quotes to find the best coverage and price that suits your needs and budget.
By using our website, you can save time and effort by getting multiple quotes from different insurers in one place. This allows you to make an informed decision and choose the car insurance policy that offers the best value for your money.
Why not make use of Momentum Insure’s full cover offerings and benefit from the many additional and optional benefits?
Momentum Insure is way more than just a car insurance company, let one of the consultants explain the fantastic benefits available to you.
What types of coverage does Momentum Insure offer?
Momentum Insure offers comprehensive car insurance, Third Party, Fire, and Theft insurance, and Third Party (only) insurance.
The following cover options are available as well:
Buildings Cover
This cover protects your building from loss or damage caused by fire, explosions, earthquakes, impact, and theft.
Contents Cover
This cover protects your personal and business contents from loss or damage due to fire, explosions, earthquakes, subsidence, acts of nature, theft, and impacts.
Portable Possessions Cover
This cover protects your personal possessions, such as your phone, laptop, wearable devices, jewellery, and more, from loss or damage while you’re on the go.
Personal Enthusiast’s Cover
This cover safeguards your indoor and outdoor hobby equipment from loss or damage, so you can enjoy your passions with peace of mind.
Personal Liability Cover
This cover protects you from legal liability for accidental death, bodily injury, or illness to people outside your household. It also covers you for accidental loss or damage to property belonging to others.
Personal Accident Cover
This cover provides compensation for permanent or partial disability due to an accident. It also includes support for necessary home and vehicle modifications if you’re disabled, and financial assistance for your loved ones in the event of your death.
Vehicle Cover
This cover protects your vehicle from loss or damage due to fire, explosions, accidental damage, acts of nature, vehicle liability, theft, hijacking, and more. It also includes 24/7 roadside assistance for added convenience.
Watercraft Cover
This cover protects your watercraft from loss or damage, including theft, hijacking, attempted theft, or attempted hijacking, as well as fire, explosion, earthquake, storm, hail, flood, or snow.
What is Momentum’s policy on premiums and excess?
Momentum offers fixed premiums for the first full year, even if and after you’ve made a claim. This provides financial predictability and a lower financial burden in the event of a claim.
How does the claims process work with Momentum Car Insurance?
Momentum Insure has a straightforward claims process. You can process your claim with Momentum’s insurance brokers or online, ensuring that everything regarding your claim will be taken care of.
What is Momentum’s Cash Back Incentive?
Momentum Car Insurance will pay up to 30% of your yearly premiums back to you based on their Safety Score, which takes into account factors like vehicle tracking systems, burglar bars on your home, etc.
For more information, visit Momentum or call 0860 00 67 84.
