Comprehensive car insurance with Discovery Insure
Protect what matters to you with car insurance that rewards you for driving well and helps you save. Car insurance isn't just a grudge purchase - it's essential peace of mind that protects you financially if your vehicle is damaged, stolen, or involved in an accident.
With Discovery Insure, you get more than just insurance. Experience innovative features, award-winning safety features and exceptional service at competitive rates. Ready to protect your car?
Choose the plan that's right for you
Core Plan
From R499 pm
Budget-friendly plan for those building their financial foundation.
- Insure your car and home with comprehensive cover.
- Get weekly rewards for driving well.
Essential Plan
From R549 pm
Comprehensive cover for growing families and professionals
- Comprehensive car, home and contents cover with higher limits and lower excesses.
- Get up to R750 back on your fuel spend, every month.
RECOMMENDED
Classic Plan
From R649 pm
Tailored insurance for those looking for extensive protection and benefits
- Comprehensive car, building and contents cover with high cover limits and embedded car hire.
- Get up to R1,500 back on your fuel spend, every month.
Purple Plan
From R699 pm
For individuals seeking extensive protection and enhanced benefits
- Get comprehensive car, home and contents cover with enhanced benefit limits, exclusive experiences and a dedicated Discovery Insure executive consultant.
- Get up to R1,500 back on your fuel spend and protection with our unique safety features.
Additional plan features
- No excess for windscreen repairs.
- Emergency roadside assistance get towing services in the event of an accident.
- Locks and keys cover for loss of or damage to keys, locks and remote-control units for your vehicle.
- Vitality Active Rewards earn weekly rewards for meeting your personalised vitality active rewards drive goal.
- No excess if an insured third-party causes an accident
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability cover in the event you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- Up to 25% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
- No excess for theft-related and weather-related claims, or if an insured third-party causes an accident
- Car hire for up to 30 days when you claim, and optional Uber benefits
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability cover in the event you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- Up to 50% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
- No excess for theft-related and weather-related claims, or if an insured third-party causes an accident
- Car hire for up to 30 days when you claim, and optional Uber benefits
- Excess flexibility which gives you the option to choose the excess amount payable in the event of a claim
- Emergency roadside assistance, including Direction Assist and Trip Monitor
- Multi-vehicle benefit reduces your premiums if you own several cars, but only one is driven at a time
- Replacement value of new car of similar make and model if the car is less than 24-months old from the date of first registration
- Trauma support cover for professional counselling after a hijacking or a major vehicle accident
- Personal liability cover in the event you become legally responsible to pay compensation for accidental death, bodily injury, illness or accidental loss or damage to the property of any person
- A Service Executive will be assigned to help you with anything you need
- Up to 50% of your fuel and Gautrain spend back every month for driving well, with Vitality Drive
Benefits of having short-term insurance
01
Reduced financial burden
Accidents and unexpected incidents can be costly, and you might not be financially prepared to handle them. Short-term insurance helps you replace possessions and pay for repairs, legal fees, vehicle towing and even storage - without going into debt.
02
Emergency assistance
Insurers offer emergency assistance for situations like running out of fuel, being locked out of your vehicle or needing to jump-start your vehicle. In more serious incidents, like accidents or hijackings, telematics-based insurance offers added protection by detecting emergencies and automatically dispatching assistance when you can't call, ensuring that help reaches you when it matters most.
03
Rewards and cash back
Many insurers offer incentive programmes that add value to your cover and overall experience. For example, by driving well or remaining claim-free over a certain period, you may qualify for cash back or other rewards, recognising and encouraging responsible behaviour while enhancing the value of your insurance.
What is an excess in car insurance?
This is the first part of a claim that you agree to pay yourself. When you make a claim, you will cover that excess amount first, and your insurer will pay the rest. Your excess amount is the total of your basic excess and any additional excess amounts (for example, voluntary or compulsory excesses) that apply to the specific claim event.
Car Insurance FAQs
The chance of you having one or more claims in the next year and the expected costs associated with these claims have the biggest impact on your monthly premium. We determine this by evaluating historical claims data of clients with a similar risk profile to yourself.
For example, if 100 clients with similar risk profiles had 10 claims every month costing R20 each, the premium for each client would be R2 every month (10 claims x R20 for a claim ÷ 100 clients). This example does not take into consideration the capital costs and expenses which also impact your premiums
You can get car insurance if your license is suspended. Full disclosure on your part will be required, and your risk will be assessed, measured and priced. You will not be allowed to drive the car as in doing so not only will you be breaking the law but the terms of your insurance contract as well. Any event that happens while you are driving is not covered and such a claim rejected.
If your car is going to be driven regularly by someone else while your licence is suspended, you must declare this to us so that we can note them as the regular driver.
Nothing changes and this is acceptable as long as they are in possession of a valid driver's licence that will allow them to drive your type of vehicle. In terms of your plan any person with a valid driver's licence can drive your car and the Plans terms and conditions apply to them equally, as if they were you.