Personal and household insurance
Choose extra vehicle, personal and household insurance depending on your needs
Flexible product options to customise your cover
Comprehensive motor insurance
Motor vehicles weighing less than 3 500kg, motorcycles, trailers and caravans may be insured under a Discovery Insure policy. At least one of the vehicles covered under a Discovery Insure policy must be covered under the Comprehensive policy. Any additional vehicles insured may be covered on the Comprehensive Plan, Third Party, Fire and Theft Plan or the Third Party Plan.
Household and personal cover
Household contents or personal belongings can be insured on a comprehensive policy without insuring a vehicle.
In addition to motor cover, tailor your cover for household and personal possessions with the following key features:
- You have home security services for up to two nights following a burglary, and emergency accommodation for up to R3 000 through HomeProtector™.
- The policy excess will not apply to your household contents and buildings if the claimed event is due to burglary, fire, lightning, flood, storm or hail damage.
- Discovery Insure will not apply the principle of averaging claims if you have used the Discovery Insure Inventory Option for your household.
- Premiums are based on expected loss, not the full value of your personal possessions for all risks cover.
- You get help with emergency household repairs; including electrical services, emergency plumbing repairs, emergency locksmith services and security services through HomeAssist™. Cover is for a maximum of three incidents for each household, which includes a call-out fee and one hour's labour.
Young Adult Contract™ discounted premiums for 18 to 25 year olds
High-risk driving behaviours, a lack of driving experience and general awareness around the risks of driving all contribute to significantly higher accident rates amongst young adults. Our Young Adult Contract™ offers drivers between the ages of 18 and 25 years old discounted premiums through a contract aimed at raising awareness of good driving behaviour.
Key features of the contract are:
- Discounted premiums for the policy holder
- Heightened awareness around high-risk driving behaviours such as cellphone usage, passenger overloading, peer pressure and drinking and driving
- Providing the primary policyholder, usually the parent or guardian, access to driving records through the DQ Mapper™
With the Young Adult Contract™ there is an additional excess in the following circumstances
- Accidents between Friday 21:00 and Saturday 6:00 or Saturday 21:00 and Sunday 6:00
- Accidents involving only the insured vehicle
HomeProtector™: Security and emergency accommodation
We offer home security services for up to two nights following a burglary and emergency accommodation up to R3 000.
No excess for claims out of your control for household and personal items
We will not apply your policy excess if the claimed event is due to burglary, fire, lightning, hail, storm or flood damage.
