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A Discovery Insure agent will be in contact with you to discuss the write-off accelerator benefit in more detail. You can also read more about the write-off accelerator below.

How does the Write-off accelerator work?

When a car is a write–off after an accident, your claim is settled based on its insured value. If the total repair cost is more than the percentage you chose, Discovery Insure will contact you to ask if you would prefer a payment for the insured value of the car or to have your car repaired.

You can choose to add the Write-off accelerator to your Plan as long as your vehicle has comprehensive insurance. This option is available on cars that are insured for their retail, market or nominated value, and that have a DQ-Track installed.

How do you calculate my car’s insured value?

You car’s value is defined as the current insured value, which is shown in the Auto Dealer’s Guide published by Transunion Auto Information Solutions (Pty) Limited. The insured value also gets adjusted for mileage and condition. Depending on your Plan type, your car’s insured value is either based on its retail or market value.

If your car has a nominated value on your Plan, its value is determined by taking the average of three valuations gotten from three independent motor industry sources of our choice.

How is the car’s repair cost calculated?

We determine the total repair cost of your car as the estimated cost of repair at assessment, including all costs that relates to the claim, as well as other costs like estimated car hire costs. However, it does not include the assessment, investigation and loss adjustor fees.