⚡ Quick Facts About Discovery Insure

• Earn up to 50% of your fuel spend back each month
• No excess on theft or weather claims (Classic & Purple plans)
• Three plan options: Essential, Classic, and Purple
• 24/7 emergency assistance: 0860 999 911
• Part of the trusted Discovery Group

1. What is Discovery Insure?

Discovery Insure is part of the Discovery Group. This is the same company behind Discovery Health medical aid. They offer short-term insurance for your car and home.

What makes them different? They reward you for being a good driver. This is called Vitality Drive. The better you drive, the more money you get back on fuel.

Discovery Insure was started in 2011. They use technology to track how you drive. This helps them offer lower prices to safe drivers.

2. The Three Insurance Plans

Discovery Insure offers three main plans. Each one gives you different benefits. Here is what each plan includes:

3. Vitality Drive – Get Rewarded for Driving Well

Vitality Drive is what makes Discovery Insure special. It’s a rewards programme that pays you for being a safe driver.

How Does It Work?

You install a device in your car or use the app. This tracks how you drive. Safe driving earns you points. More points means more rewards.

How to Earn Vitality Drive Points

• Drive safely – Avoid harsh braking and speeding
• Don’t use your phone – Keep your phone down while driving
• Drive during safe hours – Avoid late night driving
• Service your car – Keep your vehicle well maintained
• Pass the annual safety check – Get 150 bonus points at Tiger Wheel & Tyre

Where Can You Get Fuel Cashback?

You can get your fuel rewards at BP and Shell petrol stations. You can also get cashback on your Gautrain Gold card.

4. Car Insurance Cover – What’s Included

Comprehensive Cover Includes:

• Accidents – damage to your car in a crash
• Theft – if your car is stolen
• Hijacking – if you are hijacked
• Fire, lightning, and explosions
• Hail, storms, and floods
• Malicious damage – vandalism
• Sound equipment theft (if forcible entry)

Third Party, Fire & Theft Cover

This is a cheaper option. It covers theft, hijacking, hail, storm, and fire. It does NOT cover accidents you cause.

What Else Can You Insure?

• Motorcycles
• Quad bikes
• Caravans and trailers
• Watercraft

Optional Benefits (Extra Cost)

✅ 5. Home Insurance – Protect Your Property

Discovery offers two types of home insurance. You can get one or both.

Buildings Insurance

This covers the actual structure of your home.

• Main building and outbuildings (garage, lapa)
• Fire, lightning, explosions
• Storm, rain, hail, snow, floods
• Power surges
• Geyser bursting or leaking
• Subsidence and landslip
• Glass, mirrors, sanitaryware
• Keys, locks, remote controls

Home Contents Insurance

This covers everything inside your home.

• Furniture and appliances
• Electronics (TVs, computers)
• Clothing and personal items
• Theft with forced entry
• Fire, storm, and flood damage
• Accidental damage to TVs and glass
• Power surge damage

Portable Possessions

Cover items you take outside the home. This includes cellphones, laptops, cameras, and jewellery. You’re covered anywhere in the world.

6. Safety Features & Technology

Discovery Insure uses advanced technology to keep you safe. Here are the features you get:

Telematics Devices

You need to install a device to join Vitality Drive. There are three options:

Key Safety Features

7. How to Make a Claim

Five Ways to Submit a Claim

1. Discovery App – Take photos of damage and submit through the app
2. Website – Log in at www.discovery.co.za and submit online
3. Phone – Call 0860 751 751
4. Financial Adviser – Contact your adviser to help you
5. Auto Claims – Some claims get approved automatically (geysers, glass, cellphones)

Auto Claims – Get Approved in Minutes

These claim types can be approved automatically:

• Geyser bursting
• Vehicle glass (windscreen)
• Cellphones
• Electronic equipment

Xpress Repairs – Fixed in 5 Days

For minor car damage, Discovery offers fast repairs. Your car must:

• Have non-structural damage
• Damage to 2 or fewer parts
• Cost less than R15,000 to repair
• Not have been towed

When You Don’t Pay Excess

On the Classic and Purple plans, you pay NO excess for:

• Theft-related claims
• Weather-related claims (hail, storm, flood)
• Accidents caused by an insured third party

💰 8. Costs & Fees Explained

Your premium depends on many factors. These include your car, where you live, and how you drive.

Typical Car Insurance Costs

Based on industry data, comprehensive car insurance with Discovery typically costs:

Other Fees to Know

🚨 9. Scam Warnings – Protect Yourself

Criminals are pretending to be from Discovery. They want to steal your money and personal details.

Current Scams Targeting Discovery Customers

How to Stay Safe

• NEVER give banking details over the phone
• NEVER click links in suspicious messages
• NEVER transfer money because someone called you
• ALWAYS verify by calling Discovery on official numbers
• Real Discovery emails come from @discovery.co.za
• Discovery will NEVER ask for your PIN or OTP

📞 10. Contact Details & Complaints

Discovery Insure Contact Numbers

Business Hours: Monday to Friday 8am to 6pm, Saturday 8am to 1pm.
Insure 24: Available 24 hours for emergencies.

How to Make a Complaint

1. Step 1: Contact Discovery Insure directly on 0860 751 751
2. Step 2: If not resolved, ask for the complaint to be escalated
3. Step 3: If still not resolved after 6 weeks, contact the Ombudsman

Ombudsman for Short-Term Insurance

If Discovery doesn’t resolve your complaint, contact:

FAIS Ombud (Adviser Complaints)

For complaints about your financial adviser:

✅ Our Final Recommendations

🚀 How to Get Started

1. Get a quote online at www.discovery.co.za or call 0860 751 751
2. Choose your plan – Essential, Classic, or Purple
3. Select Vitality Drive to start earning rewards
4. Install your device at Tiger Wheel & Tyre or Discovery Drive Centre
5. Download the Discovery app to track your driving
6. Drive well and start earning fuel cashback!

📋 Quick Reference Card