Momentum Insure car insurance: review, contact numbers and claims

Momentum Insure is Momentum's short-term insurance business for car, home and business cover. Momentum is part of Momentum Metropolitan Life Limited. The pages we read do not name the exact underwriting entity, so confirm it on your schedule and check it on the FSCA register.

Momentum Insure is a member of the South African Insurance Association (SAIA). Car and home can be combined under one integrated policy with one monthly premium.

• Safety Returns: earn up to 30% of paid premiums back in cash each year, even if you claim, by engaging with safety features on the Momentum App (Safe Dayz driving behaviour, the Safety Score questionnaire and more). (momentum.co.za)
• Car cover options are branded Momentum Select, Momentum Priceless, Momentum Envoy and Momentum 55+ (for people 55 and older); some options offer no excess. (momentum.co.za)
• Free 24/7/365 Momentum Assist: roadside, home, medical and legal assistance. (momentum.co.za)
• Safety Alert panic button on the Momentum App is free and connects to over 1,800 emergency responders. (momentum.co.za)
• Clients get 5% off in-store purchases at Tiger Wheel & Tyre, up to R250 per transaction, via a code generated in the Momentum App. (momentum.co.za)
• Cover for private use applies in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe; business use abroad needs a specific optional cover. (momentum.co.za)
• Car and home can be combined under one integrated policy with one monthly premium. (momentum.co.za)
• Momentum Insure is a member of the South African Insurance Association (SAIA). (momentum.co.za)

Safety Returns is the car rewards programme. You can earn up to 30% of your paid premiums back in cash each year, even if you claim, at no additional cost. You earn it by engaging with safety features on the Momentum App, including Safe Dayz driving behaviour and the Safety Score questionnaire.

The pages do not say how driving is measured, and the 30% is a maximum. Ask Momentum what you would realistically earn on your own quote before you count on it.

The app also carries a free Safety Alert panic button connected to over 1,800 emergency responders, and it lets you submit car accident, hail, geyser and windscreen claims 24/7/365.

Checked on 29 September 2026 against Momentum Insure's official website. Numbers and channels change, so confirm on the linked page before you call. Momentum Insure will not ask you to pay into a new bank account over the phone; hang up and call the official number if anything feels off.

Sources: momentum.co.za/...home-insurance/car-insurance, momentum.co.za/...ar-and-home-insurance/claims.

Momentum Insure offers car cover options branded Momentum Select, Momentum Priceless, Momentum Envoy and Momentum 55+, which is for people 55 and older. Some options offer no excess. Ask for the cover summary of each option, because the branded names do not tell you what is included.

Momentum Assist is included free and runs 24/7/365 anywhere in South Africa: roadside, home, medical and legal assistance. Clients also get 5% off in-store purchases at Tiger Wheel & Tyre, up to R250 per transaction, using a code generated in the Momentum App.

Cover for private use applies in South Africa, Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. Business use abroad needs a specific optional cover.

Excess is the first amount you pay on a claim. It depends on the cover option you pick, and some options have none, so read your schedule for every excess that applies.

Standard exclusions across insurers commonly include driving under the influence, an unlicensed driver and an unroadworthy vehicle. The biggest avoidable risk is non-disclosure. Be accurate about the regular driver, the overnight parking address, modifications and claims history, because wrong information can get a later claim rejected.

This is orientation, not a quote. Your real terms depend on your car, area, driver profile and history.

Use it to frame questions, then get a real quote from Momentum and compare on like-for-like cover with at least two other insurers.

Pros: cash back through Safety Returns that applies even if you claim, free 24/7/365 roadside, home, medical and legal assistance, options with no excess, and the option to combine car and home under one policy.

Cons: the 30% is a maximum and depends on how you use the app, the pages do not explain how driving is measured, and the underwriting entity is not named on the pages we read.

Because we are not a broker, get your quote through Momentum's own online quote or call-back form. Check the cover on the FSCA register before buying. If a claim is rejected and the internal complaints process does not resolve it, you can escalate for free to the National Financial Ombud, which absorbed the former Ombudsman for Short-Term Insurance (OSTI).