Discovery Car Insurance

Discovery is a financial services company that is home-grown in South Africa.

It provides services in a range of markets including life insurance, healthcare, short-term insurance, savings (long-term), wellness and banking.

Since its establishment 30 years ago, Discovery has been successfully led by its purpose, which is to protect, upgrade and make you healthier.

They’ve accomplished this through the introduction of the shared value insurance model, which not only produces exceptional health and a worthy experience for clients, but it also improves actuarial rates and makes way for a better community.

Discovery’s impressive numbers

• Discovery operates in 40 markets.
• Touches the hearts of over 30 million people.
• Has employed more than 13 500 people.
• As of the second half of the year 2022, they’ve capitalised R86 million.

What does Discovery do?

Discovery is a game-changer in the financial market. Their businesses are top of the range and have been designed to shake up the market and set them apart from their competitors.

Discovery’s products are unique enough to handle complicated scenarios. The secret to this is that Discovery structures businesses from the infancy stage, so they can grow naturally.

Their brainchild-the shared value approach model is globally in demand, adaptable and noteworthy to every organisation.

Better risk factors with the shared value insurance model

The shared value insurance model offers you a gateway pass to several benefits and reasons to reduce risks and refine actions and behaviour through 3 plans-Vitality Money, Vitality Health, and Vitality Drive.

With the Vitality plans you get

• Incentives
• Savings
• Healthy behavioural changes

The Vitality plans assist, support, and keep in sight ongoing positive reinforcements. This leads to fewer deaths, accidents, and an improved management of finances, which minimises risks and gives way to actuarial excess.

This can then be used to encourage actionable behaviour which plays a key role in client retention.

Service delivery

With Discovery Insure you receive much more than car insurance - you receive a modern approach to service delivery, safety measures and affordable rates.

Their modern car insurance plan offers you the choice to experience Vitality Drive, which is a plan that offers you rewards for being a competent driver, ensuring your safety with world-class safety measures.

In addition to car insurance, they provide coverage for other assets such as caravans, motorcycles, quad bikes, watercraft, and trailers.

Claims process for Discovery car insurance

In the event of an accident or other covered loss, you can file a claim online or over the phone.

The claims team will guide you through the process, assess the damage, and arrange for repairs or replacement of the vehicle, as needed. You can also track the progress of your claim online.

3 plans that are custom-made to fit your lifestyle.

Essential plan

You receive extensive car insurance with the Essential plan. You’re rewarded for being a good driver and get the latest safety measures from the Vitality Drive Plan.

Benefits of the Essential Plan

• If an insured third party causes an accident, you get no excess.
• In the case of a claim, you get a lot of flexibility to pick and choose what you’ve to pay.
• If anything should happen while you’re driving, you get access to emergency roadside assistance, which also includes monitoring of your trip and assistance for directions if you get lost.
• Support if you experience trauma, which means you’re covered for counselling by experts in the event of being hijacked or suffer a big car collision.
• You can relax if you’re suddenly obliged to cover fees for bodily harm, death due to a car accident, illness, or vandalism to someone’s property.
• You receive 25% off on Gautrain and petrol per month for being an exceptional driver with the Vitality Drive Plan.

Classic Plan

With the Classic Plan, you receive cover for your cars, industry rates and added perks. You’re also rewarded for being a good driver and receive out-of-this-world safety products through the Vitality Drive Plan.

Benefits of the Classic Plan

• For stolen vehicle claims and claims related to the weather, you get no excess, as well as if someone either than you whose insured cause an accident.
• You get one-month car hire and the option for Uber perks.
• In the event of a claim, you’re granted flexibility to choose the amount you’ve to pay.
• Assistant for any roadside emergencies, including monitoring of your trip and help with directions.
• If you happen to be involved in a vehicle accident, or you’re hijacked, you’re covered for counselling by professionals.
• You’re covered for any illness, destruction of property of any person or if by law you become responsible for paying for accidental death and bodily harm.
• For driving well, you get 50% off your petrol and Gautrain every month with the Vitality Drive Plan.

The Purple Plan

The Purple plan is best suited for you if you possess assets that are insured for more than R5 million. It provides you with insurance to cover your vehicles, exclusive and improved perks, and you’ll be appointed a Discovery Insure Service Advisor that tends to your needs.

With the Purple plan, you get the following benefits

• No excess for claims pertaining to the weather or theft and if someone either than yourself who's insured gets into an accident.
• 30 days to hire a vehicle when you claim and a variety of Uber benefits.
• Flexibility to select an option that you can afford to pay if you decide to claim.
• Assistance when involved in an emergency while on the road, as well as assistance with directions and monitoring of your trip.
• You get the multi-vehicle benefit, which lowers your premiums if you own more than one car, yet only drive one at a given time.
• You can replace the value of your new vehicle which is from the same model and make it if its date of registration does not exceed 2 years.
• Professional support if you’re suffering from trauma due to a car collision or hijacking.
• If you become legally obligated to pay for accidental loss or illness, property vandalization of any specific person, or death due to an accident, you’re covered for this too.
• You’ll be arranged a service advisor to assist you should you need help.
• When you drive well, you receive 50 % off your petrol and Gautrain every month.

At Discovery, you can also get a plan that covers your caravan, motorcycle, quad bike, watercraft, and trailer. Fire, theft, and third-party cover are also offered.