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Momentum Insurance in South Africa

Momentum Insurance South Africa is a popular insurance brand that offers a wide range of cover options and excellent service to South Africans from all walks of life. Learn more about Momentum products and exclusive benefits to see if they are the right insurance company for you.

Who is Momentum?

The Momentum profile is a long-standing one. In 1973, the company got its name as we know it today when it acquired Momentum Assurance Corporation, but it has been in operation since 1966.

Momentum Metropolitan operates on the idea that momentum is a force that’s in all of us and moves us along on our life journey to success. It’s this ethos that has made the company a success for more than half a century in South Africa.

Momentum products range from medical aid and hospital plans with private hospital cover in a network of hospitals, to Momentum life insurance solutions for those unexpected life events, to asset management, to car and home insurance. Plus, there’s a generous rewards programme, essentially catering to people from all walks of life.

How Does Momentum Work? 

Momentum offers affordable car and home insurance products that are designed to pay you out or replace your property should it be accidentally damaged or stolen, depending on the type of insurance you take out.

Once you sign up with Momentum, you’ll pay monthly fees over to them in exchange for cover on whatever products you’ve chosen. For example, if you take out comprehensive car insurance, you’ll pay a premium every month and, in return, Momentum will take care of you should you be involved in a motor vehicle accident, crash into someone else’s property, or if your car gets stolen. The insurer will either pay to have your vehicle repaired or replaced if it’s a write-off, and pay to repair or replace the property you might have damaged. 

Of course, like all insurance in South Africa, there are caveats and limits on what it will cover. For example, if you cause an accident and were found to have been under the influence of alcohol, it is unlikely that they will pay out.

What Does Momentum Cover?

Momentum offers a host of products to everyday South Africans designed to enhance their lives and stabilise their financial future. From affordable healthcare solutions to reliable long-term insurance policies, this established insurer has a lot to offer you.

  • Momentum Healthcare

    Momentum Health provides a range of medical aid plans in case you need any emergency treatments in a network of hospitals or your hospital of choice (depending on your plan), or if you need to visit the doctor’s office or get your annual flu injection. Comprehensive Momentum life cover insures you and/or family ones after unexpected events in life, such as illness or dread disease. Or, if you pass away, you can leave a financial legacy for your loved ones.

  • FundsAtWork

    FundsAtWork investment products help you achieve your financial goals with their specific goals-based investment offering. These include Momentum Money, which offers a savings wallet that’s invested in a money market fund and earns a decent interest rate. There’s also Smart Money Tools on the company’s app that can help you make wiser financial decisions.

  • Momentum Car Insurance

    Car insurance is there in the case of theft and motor vehicle accidents is available (again, depending on the plan you choose). You can pick from third-party only, third-party fire and theft, and comprehensive cover.

  • Home Insurance

    Then there’s home insurance, where all of the valuables you keep in your house will be covered for theft or accidental damage. You could also insure the buildings on your property and fixtures.

  • Business Insurance

    Momentum’s business insurance is there to protect your livelihood, whether that means cover for business vehicles, equipment, building insurance, or peril events like business interruption and natural disasters.

  • Added Benefits & Rewards

    Additional benefits include insurance for international emergencies if you’ve got a medical plan with them. Plus, they have great rewards and benefits, such as the Safety Returns rewards programme where you can earn up to 30% of your paid insurance premiums back in cash after a year, even if you claim—and that’s at no additional cost on your premium.

    You can earn points by downloading the Momentum app and participating in the Safety Score questionnaire, activating the free mobile panic button that will protect you when you’re feeling unsafe, and drive safer with its Safe Dayz feature, which is a telematics programme that rewards you for driving safely and carefully.

  • Momentum Multiply

    There’s also Momentum Multiply rewards and discounts, which gives you benefits for staying healthy and completing the annual health assessment. Rewards include partner discounts, cashback, and vouchers for being healthy.

We’re here to help you find the best deal possible for your needs and budget. You can get free short-term insurance quotes from leading insurers by filling in the form at the top of this page. You’ll receive quotes from our range of insurance partners in South Africa. 

Is Momentum a Reliable Company? 

One thing the business boasts of is its customer care. It aims to provide innovative products for all South Africans, no matter where they are on their life journey. And it can back up this claim with a host of awards listed on its website, such as winning the Fund of Funds Hedge Fund Award in 2020 and the Golden Arrow Award for having a favourable rating from the annual survey of medical scheme administrators. 

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