Straight answers. Need more convincing?
If you’re looking for a reason not to buy, here are the three most common objections – and why they don’t hold up.
Old car and/or high mileage?
You qualify. There are no age or mileage restrictions on any of our plans. Whether your car is 2 years or 20 years old and has 20,000km or 300,000km on the clock, you can get covered. Period.
Pay premiums with no benefits?
We’re rated 4.9 on HelloPeter by real customers. There’s also no excess on approved claims, so your full benefit is available to you. Not a portion of it – all of it.
Multiple breakdowns in a short space of time?
There is no cumulative claims limit. You can make multiple claims over the life of your policy — the only limit is per component, per claim. We also cover towing, mobility and accommodation when you need us most.
Included in every plan: cover that goes beyond the workshop
A major mechanical breakdown can leave you stranded with more than just a repair bill.
Breakdown cover insurance gives you financial protection when the unexpected happens – helping cover costly repairs. All when you have a valid claim.
Instead of worrying about how you’ll get moving again or pay for multiple unexpected expenses at once, you get practical support that keeps your life on track. It’s cover designed not just for your vehicle, but for the disruption that comes with being without it.
What’s included in your cover
- Alarms & Immobilisers
- Air Conditioner
- AV, Comms & Navigation
- Braking System
- Central Locking & Keys
- Clutch & Flywheel
- Cooling System
- Differential & FWD Unit
- Drive Shafts
- Electronic Ignition
- Engine
- Forced Induction System
- Gearbox
- Management System
- Propulsion System
- Pulleys
- Sensors & Sender Units
- Steering System
- Suspension
- Transfer Case
- Wheel Bearings
Choose your cover. Four plans, one promise: no excess
All plans cover 22 component categories. Choose the engine limit that matches your budget and your vehicle. Our team will help you decide.
PREMIUM
Kyalami
Maximum protection
R50,000
engine cover limit
- GearboxR40,000
- Differential/FWDR35,000
- Cooling / BrakesR9,000
- SuspensionR9,000
- Air ConR9,000
- ElectricalR9,000
- Alarms / LocksR4,000
POPULAR
Zwartkops
Enhanced protection
R40,000
engine cover limit
- GearboxR35,000
- Differential/FWDR30,000
- Cooling / BrakesR6,500
- SuspensionR6,500
- Air ConR6,500
- ElectricalR6,500
- Alarms / LocksR3,000
RELIABLE
Phakisa
Dependable cover
R30,000
engine cover limit
- GearboxR25,000
- Differential/FWDR22,500
- Cooling / BrakesR5,000
- SuspensionR5,000
- Air ConR5,000
- ElectricalR5,000
- Alarms / LocksR2,500
ESSENTIAL
Killarney
Affordable entry cover
R20,000
engine cover limit
- GearboxR17,500
- Differential/FWDR15,000
- Cooling / BrakesR4,000
- SuspensionR4,000
- Air ConR4,000
- ElectricalR4,000
- Alarms / LocksR2,000
Get a quote now
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Health Insurance
Momentum Health4Me is not a medical scheme product and is not a substitute for medical scheme membership.
Medical Aid
Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.
Gap Cover
Bloom Gap Cover is not a medical scheme and is not a substitute for medical scheme membership. Benefits offered are not the same as those of a medical scheme. Bloom Gap Cover is underwritten by Infiniti Insurance Limited, a licensed non-life insurer and authorised financial services provider (FSP 35914).
Momentum Gap Cover is not a medical scheme and is not a substitute for medical scheme membership. Benefits offered are not the same as those of a medical scheme. Bloom Gap Cover is underwritten by Guardrisk Insurance Company Limited (FSP 5394).
Mechanical Breakdown Insurance
Bloom mechanical breakdown insurance is underwritten by New National Assurance Company Limited, a licensed non-life insurer and authorised financial services provider (FSP 2603). Cover is subject to policy terms and conditions.
The information provided on this website does not constitute financial advice as defined by the Financial Advisory and Intermediary Services (FAIS) Act. © Bloom Financial Services 2026. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140).
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