PPS car insurance: review, contact numbers and claims

PPS car insurance is sold by PPS Short-Term Insurance to PPS members. PPS says its insurance, investment and healthcare solutions are offered exclusively to graduate professionals, so it is not available to the general public.

PPS's own pages word the entry requirement differently. Most footers say a qualifying four year degree or equivalent, while its Home and Roadside page mentions an honours level or equivalent qualification from a public institution or certain listed private institutions. We do not state a specific qualification level. Ask PPS which one applies to you.

• The car cover option shown on PPS's current car insurance page is comprehensive: accidental loss or damage to the vehicle, third-party liability and repairs after an accident. (pps.co.za)
• Profit-Share Cross-Holdings Booster: members who hold a PPS life-risk product can be allocated a share of PPS profits linked to how many PPS products they hold; allocations vary by year and PPS can discontinue it. (pps.co.za)
• Protect Me (PPS Concierge) gives quick-response help in medical, criminal, fire or accident emergencies through the Namola app. (pps.co.za)
• Chauffeur Service: drivers can take a member's vehicle home on their behalf, six drives per year. (pps.co.za)
• Claim rules: all car and home claims must be reported within 30 days, and motor accidents must be reported to SAPS within 24 hours. (pps.co.za)
• Home and Roadside Assist offers 24/7 roadside assistance plus emergency home repairs (plumbing, electrical, appliance breakdown, fixed glass). (pps.co.za)
• PPS says a member's own claims history does not reduce the Profit-Share allocated to them (2020 press release, so check it still holds). (pps.co.za)
• PPS membership is limited to graduate professionals, so PPS car insurance is not available to the general public. (pps.co.za)

The current PPS car insurance page shows one car cover option: comprehensive. It covers accidental loss or damage to your vehicle, including third-party liability and repairs after an accident. The page does not list third party or fire and theft levels, and an older PPS page that did list a limited cover is out of date.

The extras are what set it apart. PPS Concierge includes Protect Me, which gives quick-response help in medical, criminal, fire or accident emergencies through the Namola app, and a chauffeur service where a driver can take your vehicle home on your behalf, six drives a year. Home and Roadside Assist gives 24/7 roadside help and emergency home repairs. We found no published excess and no roadside call-out limits, so ask for both before you accept a quote.

Checked on 29 September 2026 against PPS Short-Term Insurance's official website. Numbers and channels change, so confirm on the linked page before you call. PPS Short-Term Insurance 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: pps.co.za/insure/car, pps.co.za/claims, pps.co.za/contact-pps, pps.co.za/insure/car-old.

PPS operates on a mutual model, where members with qualifying products benefit from generated profits. The Profit-Share Cross-Holdings Booster lets members who hold a PPS life-risk product be allocated a share of PPS profits linked to how many PPS products they hold.

It is conditional. Allocations vary by year, PPS can discontinue it, and you need a PPS life-risk product to qualify. PPS said in a 2020 press release that a member's own claims history does not reduce the Profit-Share allocated to them, but check that this still holds before you rely on it. Treat the Profit-Share as a possible bonus, not as a discount you can count on when comparing prices.

Report all car and home claims to PPS within 30 days. For a motor accident, notify SAPS within 24 hours of the event. Use the claims page for the current procedure and the numbers above for emergencies.

For complaints, PPS lists 0860 123 777. If PPS rejects or underpays a claim and its internal process does not resolve it, you can escalate free of charge to the National Financial Ombud Scheme, which absorbed the former Ombudsman for Short-Term Insurance (OSTI). Before buying, verify the insurer on the FSCA register.

We found no published excess for PPS car insurance, so read the excess on your quote and schedule before you accept cover. The usual exclusions and traps apply: driving without a valid licence, drink driving, undisclosed business or e-hailing use, and non-disclosure of material facts. Wrong answers when you take out or change the policy can get a later claim rejected.

PPS car insurance suits graduate professionals who qualify for PPS membership and ideally already hold a PPS life-risk product, so the Profit-Share applies. It does not suit you if you are not eligible for membership, or if you want a choice of cover levels on one page. Compare a PPS quote with at least two open-market insurers on matching cover and total cost.