Cover with Discovery Insure
Discovery Insure offers 3 different plans, each with comprehensive car and home insurance. You can also get Vitality Drive on all plans for unique rewards and safety features. To find out more, download and compare our plans. You can also speak to your financial adviser or call us on 0860 751 751 during office hours.
All vehicles insured by Discovery Insure, except brand new ones, need to complete a pre-inspection within 5 days from your cover start date. This shows us your vehicle's condition when you join so that we can compare it when you submit claims in future.
You must complete the pre-inspection within 5 days from the day your cover starts, otherwise your future claims could be rejected. You can do your own vehicle pre-inspection through the Discovery app. Simply take photos of your car and upload them. If you have Vitality Drive, you can also do your pre-inspection when you complete your Annual MultiPoint check at Tiger Wheel & Tyre.
Your plan schedule explains the benefits on your individual plan. You can download your plan schedule from our website or from the Discovery app. Remember to always check that your personal and cover details are correct on your plan schedule.
To see the maximum benefits you can get across all Discovery Insure plans, download our Benefit Limit Annexure.
You can choose extra benefits to suit your unique circumstances. Download our insurance plan comparison to find out what Discovery Insure has to offer.
What your car is used for could influence your claims and cover
Giving us the correct information about what your car is used for is important - it helps us to determine your risk profile for theft or accidents seeing as these differ depending on what your car is used for. If the wrong details of what your car is used for is incorrect on your Plan Schedule, you may have to pay an additional excess when claiming. In fact, your claim may even be rejected.
There are different uses that your car can be insured for. You should indicate the one the car is used for most of the time on your Plan:
Private and professional
You should choose this option when you use your car for:
- Private transportation of others and yourself between home and your workplace.
- Your car can occasionally be used for business (but not more than six occasions in a calendar month).
- However, the transporting goods for business, trade or commercial purposes is excluded from this option.
If you use your car mostly for work and occasionally (not more than six occasions in a calendar month) to carry goods for business or trade purposes, you can indicate this category on your Plan. However, transporting goods for commercial purposes is excluded from this category.
When you use your car to generate income, you are using it for commercial purposes. Examples of cars being used for commercial purposes include the transport and delivery of any trade goods (like a delivery service or courier) and transporting people (such as a taxi).
If a car is used for commercial purposes, we can't insure it and would need to be placed on a commercial policy. If your car is being used for commercial purposes and you have a claim, it will be rejected by Discovery Insure.
How to determine if your car is being used for commercial purposes
To help you determine whether your car is being used for commercial purposes, please consider the questions below. If you answer "yes" to any of the questions, your car may be insured incorrectly and you might need to move your vehicle to be insured with a commercial insurer. If you have any doubt, please speak to your financial adviser or call us on 0860 751 751.
Questions to help you check whether your car is being used for commercial purposes
- Is your car being driven by one or several drivers who are employed by a company or individual who offers your car to the drivers to do their job?
- Is your car used to transport passengers in exchange for payment?
- Is your car used to transport any valuable goods, equipment items that are sold to others for financial reward? Examples include beauty products that are sold to clients and plumbing equipment (geysers, pipes) that gets delivered to customers.
If you need to make any changes to your Plan, please speak to your financial adviser, call us on 0860 751 751. You can also send us an email with all the details of what you need updated to email@example.com, with your Plan number, initials and surname.
We'll debit any unpaid premiums and, after the cancellation date, you won't be covered by Discovery Insure anymore. You'll also give up any rewards you earned that weren't paid to you before the cancellation. If your Discovery Insure Plan is cancelled, you will need to have your standalone DQ-Track removed from your car. If you choose not to have your standalone DQ-Track removed or if you do not contact us to arrange for it to be removed, you will need to pay a fee of R1 180. If you've installed the smartphone-enabled DQ-Track, you can simply discard it.
If you're younger than 26, have comprehensive car insurance with Discovery Insure and have Vitality Drive, you can activate the Young Adult benefit.
We'll deposit 25% of your cash insurance premiums into your Rewards Fund every 6 months. At the end of each month, we'll adjust your Rewards Fund based on your Vitality Drive status and deduct R10 for every kilometre you've driven between 23:00 and 04:30. At the end of the 6-month cycle, the balance of your Rewards Fund will be paid into the bank account from which you pay your premiums.
You'll also get great rewards such as:
- Up to 50% of your BP, Shell and Gautrain spend back every month
- Access to an Insure Funder Account where you can double your fuel cash back
- Discounted prices with DriveMe partners such asUber, Road Trip and Scooter Angels
- Up to 20% discount at Tiger Wheel & Tyre and Bosch
- Weekly Active Rewards.
You can opt into or out of the Young Adult benefit at any stage by contacting us on 0860 751 751 or emailing firstname.lastname@example.org.
Visit our website for more information about the Young Adult benefit .