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.
What type of car insurance do you get in South Africa?
Comprehensive
Covers you for the loss of or damage to your vehicle caused by theft, hijacking, hail, storm, fire, lightning, explosion and malicious or accidental damage. We cover theft of sound equipment only if there was forcible and violent entry into the vehicle.
Third party, Fire and Theft
Covers you for the loss of or damage to your vehicle caused by fire, theft or hijacking. Malicious and accidental damage is excluded. We cover theft of sound equipment only if there has been forcible and violent entry into the vehicle.
Third party only
This does not cover loss of or damage to your vehicle.
Discovery Insure's car insurance gives you
Comprehensive car insurance at highly competitive rates.
Zero excess on weather-related or theft-related claims, and if an accident was caused by an insured third party.
Rewards for driving well, like up to R1,500 in fuel rewards each month.
Unique and easy claim services to get your life back on track seamlessly.
Choose the plan that's right for you
Core Plan
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
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.
Classic Plan
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
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.
Why Choose Discovery Insure?
Comprehensive replacement value cover
Up to R1,500 fuel spend back in cash with Vitality Drive
ZERO excess on weather-related claims (e.g. hail, storm, flood)
Safety features that call emergency services when you can't
Premiums can reduce with better Vitality Drive status
24/7 claims support and roadside assistance
Digital claims with photo submissions
Worldwide portable possessions coverage
Our Insurance Solutions
Motor Insurance
Comprehensive vehicle cover with flexible excess options, hail protection, windscreen cover, and courtesy car benefits. With Vitality Drive, get up to R1,500 fuel cash back and optional Scratch and Dent cover (up to R5,000, with up to 25% boost for Vitality Drive status; R500 excess; no impact on claim-free status).
Key benefits
Building & Home Insurance
Peace of mind for your home with cover for fire, hail, flooding and other weather. On Classic or Purple plans you pay no excess for valid weather-related claims. Add building or household contents cover over R250,000 and you can earn double your Vitality Drive fuel cash back each month.
Key benefits
Discovery Insure Vehicle Warranty
Comprehensive cover for mechanical breakdown, electrical failure and wear and tear. Risk-rated premiums and a flat excess of your choice. With Vitality Drive, get up to 100% off yearly service and maintenance costs (at Motus or Bosch, limit R5,000) based on your status.
Key benefits
Business Insurance
Comprehensive SME packages including office contents, stock, equipment, public liability, and professional indemnity. Business interruption cover protects your income stream during unexpected events.
Key benefits
Discovery Drive Centres
Discovery Drive Centres offer exceptional service and a seamless engagement experience. Look after your car, earn rewards for driving well, and get started with Vitality Drive. Whilst staff are busy with your vehicle, you can use the customer area to learn more about Discovery products or relax with a coffee.
You can do the following at Discovery Drive Centres:
- Complete your Annual MultiPoint check
- Install your Vitality Drive Sensor, Crowd Search Sensor or standalone DQ-Track device
- Collect your Vitality Drive card and link it to your plan to start earning fuel cash back
- Collect your free screen protector for your insured cellphone (certain models)
- Complete the 110-point vehicle functionality check for vehicle warranty cover
- Assess minor damages on your car (on a registered claim)
- Light vehicle service with Bosch (Menlyn Drive Centre only)
- Learn more about Discovery Insure and Vitality Drive
- Complete knowledge awareness assessments to earn Vitality Drive points
Vitality Drive car seat discount benefit
Discovery Insure is committed to keeping you safe on the road. As a Discovery Insure client with Vitality Drive, you can get up to 50% off the purchase price of a child car seat with partners Born Fabulous and Babies R Us. The discount is based on your Vitality Drive status at the time of purchase.
| Vitality Drive status | Discount |
|---|---|
| Diamond | 50% |
| Gold | 35% |
| Silver | 30% |
| Bronze | 25% |
| Blue | 20% |
Vitality Drive must be active on the plan to qualify. The discount is for child car seats only. Limit of one car seat per primary driver every 12 months from voucher issue. Qualifying car seat lists are available from Born Fabulous and Babies R Us. TCs apply.
Safety technology – Crowd Search Sensor
The Crowd Search Sensor is a wireless tracking device that supports stolen vehicle recovery and includes Vitality Drive technology: safety features, rewards and trip feedback via the Discovery Insure app. It can help keep you safe with:
- Impact Alert – Severe impact detection; emergency assistance is sent even if you cannot be reached.
- Motion Alert – Early warning if your vehicle moves without your phone present.
- Find My Vehicles – Locate your insured vehicles via the app (last known location when vehicle and phone are connected).
- Stolen Vehicle Recovery – Contact the provided number for recovery services in case of theft.
- Severe Weather Warnings – Advance warning of bad weather to help protect your vehicle.
- Vehicle Panic Button – Use your compatible smartphone as a panic button for immediate assistance.
Safety features require the Crowd Search Sensor to be linked to your vehicle and the app to be used with sufficient phone battery, connectivity and app permissions as set out in the Discovery Insure app. Discovery Insure does not guarantee vehicle recovery. Product rules and TCs apply.
Vitality Drive – Get rewarded for safe driving
Discovery's unique telematics program tracks your driving behavior and rewards you with fuel cashbacks, premium discounts, and other benefits. The safer you drive, the more you save.
Up to R1,500 fuel cash back
5% renewal increase cap for driving well
Up to 25% (R750) off Uber rides monthly
Vitality Active Rewards (Discovery Miles)
Up to 20% off car maintenance (Tiger Wheel & Tyre, Bosch)
Impact Alert, Weather Warnings, Panic Button, Find My Vehicle
Smart choice
Vitality Drive members typically save between R3,000 – R8,000 per year through fuel cashbacks and premium discounts combined.
98%
Client Satisfaction Rate
24/7
Claims Support Available
R8k+
Average Annual Savings
72hrs
Average Claims Processing
Discovery Insure Ltd is a licensed non-life insurer and an authorised financial services provider. Registration number 2009/01183/06. Product rules, terms and conditions apply. Full product details including limitations can be found at www.discovery.co.za or call 0860 751 751.