PremierCredit Zambia review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PremierCredit Zambia suits Zambian adults who want cover priced in kwacha and paid monthly rather than in one lump sum. Premiums start at ZMW 500, monthly payments are available, and the business is registered with the Patents and Companies Registration Agency in Zambia.

Key facts

Best for
Anyone in Zambia who prefers monthly premiums over a single annual payment.
Premium from
ZMW 500 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Age range
21 years old and above (Source, checked September 26, 2026)
Legal entity
PremierCredit Zambia Limited (Source, checked September 26, 2026)
Headquarters
Mauritius (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
premiercredit.co.zm

Apps and profiles

Get the app
Google PlayGoogle Play
Elsewhere
LinkedInXyoutube.com

Pros and cons

Pros

  • Monthly payments are available, so premiums are spread across the year instead of paid at once
  • The premium floor of ZMW 500 keeps entry costs low for personal cover
  • Support runs on phone, email and help centre, giving phone, email and self-service help
  • Registered as PremierCredit Zambia Limited under Zambia's company register, so the entity behind the policy is traceable

Cons

  • Support relies on phone, email and help centre, with no live chat or in-branch counter listed
  • Eligibility starts at a minimum age of 21 years old and above, so younger applicants cannot buy
PremierCredit Zambia

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • Adults in Zambia aged 21 years old and above who can pay monthly
  • Drivers and vehicle owners looking for cover priced in kwacha
  • Households that want phone and email support rather than an in-branch counter

Who should look elsewhere

  • Applicants below 21 years old and above, who fall outside the stated eligibility
  • Anyone wanting live chat or branch service, as support runs on phone, email and help centre

Safety and regulation

PremierCredit Zambia operates under Zambian registration, holding a registration number from the Patents and Companies Registration Agency (120190002254). That is a company register rather than a financial services regulator, so the registration confirms the legal entity exists and is not a guarantee fund behind the policy. Buyers should weigh that distinction when comparing against providers supervised by a dedicated regulator.

Who runs it

The provider behind the policy is PremierCredit Zambia Limited, registered in Zambia with the Patents and Companies Registration Agency (120190002254) and headquartered in Mauritius. Support runs on phone, email and help centre, so questions can go by phone, by email or through the help centre. The same registration number appears in the terms, which makes the entity easy to trace before you buy.

How PremierCredit Zambia compares

Where PremierCredit Zambia is available

Available
Mauritius, Zambia
Licence in Zambia
Patents and Companies Registration Agency (120190002254), checked September 26, 2026
Licence in Zambia
Ministry of Finance under the Money Lenders Act, checked September 26, 2026
Licence in Mauritius
Financial Services Commission (FSC), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What is the cheapest premium at PremierCredit Zambia?+

Premiums start at ZMW 500. That figure is the entry point for cover, and the actual amount depends on the cover level, the vehicle and the risk profile the policy is written against. A quote is the only way to pin down what you would pay.

Can I pay my premium monthly instead of all at once?+

Yes, monthly payments are available and are the only payment model listed for this provider. Spreading the premium across the year keeps cash flow easier for households that would rather not commit a large sum at renewal.

Who is behind the policy and where is it based?+

The provider is PremierCredit Zambia Limited, headquartered in Mauritius. It trades as PremierCredit Zambia, and its terms name the company behind the contract rather than a separate underwriting entity.

Is PremierCredit Zambia regulated as a financial services provider?+

The registration shown is with the Patents and Companies Registration Agency, number 120190002254. That is a company registration in Zambia, not supervision by a financial services regulator, so it confirms the company is registered without telling you it is a regulated insurer.

What is the minimum age to buy cover?+

Eligibility runs from 21 years old and above, meaning applicants must be an adult at that age or older. Anyone below it would need to look elsewhere, since younger drivers are outside the stated range for cover.

How do I reach PremierCredit Zambia if I need help?+

Support runs on phone, email and help centre. That gives you phone, email and a help centre, but the listing does not include live chat or a branch counter, so for anything urgent the phone line is the faster route.

Is the price in kwacha and can I see it before I commit?+

The premium is quoted in kwacha at ZMW 500 and up, so costs are set in the local currency rather than converted from abroad. There is no free premium calculator on the listing, so a quote is the way to compare real figures.

Sources

  • premiercredit.co.zm checked September 26, 2026

    Backs: Support channels

    “+260 761 228 722 - customercare@premiercredit.co.zm”

  • premiercredit.co.zm/about-us checked September 26, 2026

    Backs: Headquarters

    “Our headquarters are in the business and cross-border investment hub for Africa, Mauritius.”

  • premiercredit.co.zm/faqs checked September 26, 2026

    Backs: Age range, Pricing model, Monthly payments, Premium from

    “21 years old and above”

  • premiercredit.co.zm/terms-conditions checked September 26, 2026

    Backs: Legal entity, Licences

    “This agreement outlines the terms and conditions (the "Terms") between you (a "Lender" or "you") and PremierCredit Zambia Limited ("PCZL", the "Company", "we" or "us")”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Insurance types, Provider type.

PremierCredit Zambia

PremierCredit Zambia

Anyone in Zambia who prefers monthly premiums over a single annual payment.

9.1/10See alternatives

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