Why choose Discovery Insure

Tailor your Discovery Insure plan to suit your lifestyle. Our plans are comprehensive, flexible and affordable. Your cover includes innovative technology, rewards, benefits and service features. The cover we offer provides you with many reasons to choose Insure, including:

Innovative Car Insurance

  • Market-leading, comprehensive car insurance at highly competitive rates.
  • Unique benefit features such as No-excess benefit and emergency road side assistance.
  • Rewards with Vitality Drive.


Comprehensive Home Insurance

  • Affordable insurance for your home contents, buildings and portable items.
  • Innovative benefits and convenient service features such as emergency household repairs with HomeAssist.
  • Pay no excess for damage caused by theft, fire, hail storm or flood damage.


Fuel rewards with Vitality Drive

  • Earn up to R800 of your BP & Shell fuel and Gautrain spend back each month for driving well.
  • Double your fuel rewards and have them paid into your Excess Funder Account to fund your car excess or new tyres.
  • Access to weekly Active Rewards, up to 25% off Uber, up to 25% off car seats and up to 20% off car maintenance.


Intelligent technology to keep you safe

  • Our innovative technology automatically provides you with unique safety features including:
  • Impact Alert, where we send emergency help if you're involved in a vehicle accident, even if we can't get hold of you.
  • The ability to find your vehicle in real time using your smartphone and our state-of-the-art vehicle panic button.


Unique insurance for the discerning few

  • Comprehensive car and home insurance with unique driving rewards and safety features for the discerning few.
  • A dedicated Service Executive to help you with anything you need.
  • Get up to 50% of your fuel spend back every month for driving well.
  • You can upgrade to the latest Apple or Samsung phone every year.



Award-winning safety features

We're dedicated to making South Africa's roads safer for all. Safety features available with our award-winning telematics technology include ImpactAlert, where we send emergency help if you're involved in an accident and we can't get hold of you, weather warnings and the ability to use your smartphone as a Vehicle panic button.

Convenience at your fingertips

Our smartphone apps allow you to complete your own vehicle pre-inspection, log claims and approve vehicle glass and geyser claims. You also get immediate feedback on your driving behaviour and you can easily see your rewards.

Help when you need it

You get emergency assistance whenever you need it, no matter the time of day. With our HomeAssist benefit, you get emergency electricity, plumbing and locksmith services. You also get emergency roadside assistance with Direction Assist and TripMonitor, which is a 24-hour helpline that keeps in contact with you to ensure your safe arrival at your destination.

Comprehensive car insurance

With our comprehensive car insurance, you

Pay no excess

You pay no excess in the event of theft-related or weather-related claims, and if an accident was caused by an insured third party

Have excess flexibility

Choose your own excess for all other claims

Boost your car's retail value

Choose to get your car's retail value plus 15% back

Get emergency assistance

Including DirectionAssist and TripMonitor

Choose car hire or Uber

Get up to 30 days' car hire or choose Uber services instead while your car is being repaired

Lower your car's write-off percentage

Choose to write off your car at a lower level of damage

Benefits can differ according to your Plan type. View our Plan comparison.

Cover for buildings, home contents and portable possessions

You get the following features with our buildings, home contents and portable possessions insurance

  Buildings Home contents and portable possessions

Pay no excess

You pay no excess in the event of a weather-related claim

Excess flexibility

Choose your own excess for all other claims

Help when you need it

Get emergency plumbing, electrical and locksmith services

Extra protection for you and your home

You have peace of mind with emergency security and alternative accommodation

Make sure your home contents are correctly insured

Complete an inventory assessment and know that your home contents are correctly assessed and insured


Store your important documents online

You can store important documents, proof of ownership and valuation certificates online in our Online Vault


Benefits can differ according to your Plan type. View our Plan comparison.

Unique safety features

You get the following unique safety features

Immediate help in an emergency

You get immediate emergency assistance if we detect a severe impact to your car, even if we can't get hold of you

The ability to find your vehicles

Find your vehicles easily in real time on your smartphone

A panic button on your smartphone

Get immediate emergency assistance with our smartphone app

Avoid bad weather

Get warnings of imminent bad weather

Safety features can differ depending on whether you choose to install a standalone or smartphone-enabled DQ-Track. Learn more.

why choose discovery insure car insurance couple outside car

Rewards for driving well

You have the option to join Vitality Drive, our unique driver behaviour programme that rewards you for driving well. With Vitality Drive, you can

Get up to 50% back on fuel and Gautrain spend

Qualify for immediate fuel rewards. Install your DQ-Track, drive well, link your Vitality Drive card and fill up at BP & Shell. If you have a Gautrain Gold card, you can get up to 50% back on your monthly Gautrain spend too.

Get Active Rewards

With Vitality Drive Active Rewards, you can get drinks at Vida e Caffé, KAUAI, or Mugg & Bean, popcorn at Ster- Kinekor or car wash vouchers at StopWash for driving well.

Get up to 25% off DriveMe partners

Get 25% off Uber, Road Trip and Scooter Angels.

Get Tiger Wheel & Tyre discounts

Get up to 20% discount at Tiger Wheel & Tyre.

Get more rewards if you're under 26

Young adults aged 18 to 25 can get up to 25% off their premium and more for driving well in addition to fuel rewards.

Get an upfront discount for good driving

With Drive your Discount you earn a premium discount of up to 20%, every year for driving well, when you join Vitality Drive on the Discovery app.


Unique service features

Plus, you get these unique service features with Discovery Insure

Self-approve your claims

Submit and self-approve your geyser and vehicle glass claims online, within minutes

View the progress of your claims online

You can view the progress of your claims online with real-time updates

Replace your electronics in a flash

We replace your specified lost or stolen electronics within 48 hours

Log in

Please click here to login into Discovery Digital Id

Please click here to login into Discovery Digital Id