Discovery Insurance

More than just a health insurance company, Discovery has expanded its product portfolio to include car and home insurance. What makes Discovery different from other direct short-term insurers, is the VitalityDrive™ product which rewards insureds in Vitality points for good driving behavior.

While other insurance companies like MiWay and Hollard install tracking devices on their clients cars to monitor their driving behavior, the only benefit of these devices is a more individually-based risk profile.

The telematics device installed on Discovery insured vehicles similarly measures driving behavior (such as harsh braking, accelerating, speeds and cornering), but allocates Driving Quotient (DQ) points accordingly. These points go towards your VitalityDrive™ status, which can see you earn up to 40% fuel rewards in cash, 15% local accommodation and travel discounts and 15% discovery card cash back

Discovery car insurance

Discovery insurance covers cars less than 3,500 kg (that is, passenger vehicles), motorcycles, trailers and caravans. The insurance company, however, makes comprehensive insurance compulsory for the first vehicle insured on the policy. That is, your vehicle must be comprehensively insured and all subsequent vehicles can be insured for third party or third party, fire and theft.

Discovery car insurance includes car hire and roadside assistance at no extra cost. What separates Discovery insurance from other car insurance products on the market is that they charge no excess if the vehicle is lost as a result of hijacking, theft, hail, storm or fire.

Discovery household insurance

Discovery home insurance covers contents and personal possessions within the home, and, like the car insurance, does not require an excess in the event of theft (burglary), fire, lightning, flood, storm or hail damage. What also separates Discovery home insurance from other insurers’ products, is that they base their premiums, no on the value of possessions, but on the expected losses.

The household contents insurance policy includes the Discovery HomeProtector™ Plan which grants insureds security services for up to two nights after a break-in as well as emergency accommodation for up to R3,000. There are also emergency repairs available on the product, such as electrical services, emergency plumbing, locksmiths and security. This includes one hour of labour and the call-out fee.

Discovery insurance is available direct to the public, and earns insureds Vitality rewards, making it insurance with a difference.