Insure

Discovery Insure

Discovery Insure is more than a broad range of short-term insurance; it’s all about driving intelligence and earning rewards for driving well. Through our innovative tools and services, members can measure how well they drive, protect themselves and their family on the road, and stay mobile after an accident.

Why Discovery Insure?

Our vision is to make South Africa's roads safer. Using the latest technology and enhanced safety features we're committed to helping you improve your driving. Choose from our range of plans with structured flexibility and tailor your car, household contents, portable possessions and/or building cover to meet all your needs.

STEP 01 Comprehensive car and home insurance Car Hire at no additional cost and hassle-free claiming

Flexible product options to customise your cover	Car hire is included at no additional cost	SmartService takes the hassle out of claiming	No excess on theft, hijacking, hail, storm or fire	Roadside assistance benefits	NightDriver

STEP 02 Rewards for driving well Engage in Vitalitydrive to receive up to 50% fuel rewards and other valuable benefits for driving well

Advanced telematics measure your Driver Quotient	Fuel rewards on your monthly fuel spend.	State-of-the-art vehicle and passenger safety features	ImpactAlert	Excess Funder Account	Produce your Vitalitydrive card to get 10% off all purchases at Tiger Wheel & Tyre.

STEP 03 Personal possessions and household contents insurance Choose extra vehicle, personal and household insurance, depending on your needs.

FastTrack Claims	Young Adult Plan: Young Adult Rewards Fund gives you up to 25% of your car insurance premium back.	FamilyProtector	HomeProtector: security and emergency accommodation	No excess for claims out of your control for household and personal items

Request a quote, or speak to your financial adviser.

Comprehensive car insurance

Discovery Insure gives you comprehensive motor cover with seamless access to benefits and services

Flexible product options to customise your cover

Comprehensive motor insurance

Motor vehicles weighing less than 3 500kg, motorcycles, trailers, quad bikes and caravans may be insured under a Discovery Insure plan. At least one of the vehicles covered under a Discovery Insure plan must be covered under the Comprehensive plan.

Any additional vehicles insured may be covered on the Comprehensive Plan, Third Party, Fire and Theft Plan or the Third Party Plan.

Household and personal cover

Household contents or personal belongings can be insured on a comprehensive plan without insuring a vehicle.

In addition to motor cover, tailor your cover for household and personal possessions with the following key features:

Following an insured event, you have home security services for up to two nights following a burglary, and emergency accommodation for up to R3 000 throughHomeProtector.
The plan excess will not apply to your household contents and buildings if the claimed event is due to burglary, fire, lightning, flood, storm or hail damage.
Discovery Insure will not apply the principle of averaging claims if you have used the Discovery Insure Inventory Option for your household.
Premiums are based on expected loss, not the full value of your personal possessions for all risks cover.
You get help with emergency household repairs; including electrical services, emergency plumbing repairs and emergency locksmith services through HomeAssist. Cover is for a maximum of three incidents for each household, which includes a call-out fee and one hour's labour.

Car hire is included at no extra cost

In the event of an accident, car hire (through Avis) is included at no extra cost on your Discovery Insure plan.

SmartClaims helps you when you need it most by facilitating your car hire and vehicle towing.

If you're in a minor accident and can still drive your car:

You can use our smartphone application to send us a picture of your vehicle.
Then call us and we'll tell you which Avis branch to take your car to.
We will ensure that your vehicle is completely restored at one of our approved repair centres.
We will pay for an Avis courtesy car for up to 30 days while your vehicle is being repaired or while your vehicle has not been recovered after a theft or hijacking and we are finalising your claims. You will however need to pay a security deposit.
Once your repairs are complete, you can collect your car at Avis and have your deposit refunded if you have filled your tank.

If you're in an accident where your car needs towing:

If you're able to notify us of your accident, you can call us or use the panic button on your smartphone.
We'll arrange for Avis to fetch you. They will take you to the closest Avis branch, or to your home or office.
We will pay for an Avis courtesy car for up to a maximum of 30 days while your vehicle is being repaired or while your vehicle has not been recovered after a theft or hijacking and we are finalising your claims. You will however need to leave a security deposit.
We will ensure that your damaged car is safely towed to one of our approved repair centres.
Once your repairs are complete, you can collect your car at Avis and have your deposit refunded if you have filled your tank.

SmartService takes the hassle out of claiming

Our smartphone application makes it easy to claim and provides immediate access to emergency support.

The Discovery Insure smartphone application enables you to take a photograph of the damage to your vehicle following an accident and send it directly to us - this is all we need to start the claims process.

You can use the panic button on your smartphone to let us know if you are in a serious accident. After calling you to assess the severity, we will send the appropriate emergency assistance.

No excess on theft, hijacking, hail, storm or fire

We do not apply the plan excess for damage caused by theft, hijacking, hail, storm or fire.

Roadside assistance benefits

Enjoy peace of mind knowing you'll get the help you need in an emergency. Call us on 0860 751 751 (this phone number is on your car sticker) for emergency help. This benefit is included in your Discovery Insure plan at no extra cost.

NightDriver

Based on the telematics data gathered through DQ-Track, our experience shows that clients are nine times more likely to have an accident while driving late at night, than during other times of the day. The NightDriver benefit has been designed to provide access for all Discovery Insure clients with Vitalitydrive to a network of accredited home drive services.

You can subscribe to RoadTrip or SmartGuyz and receive a discounted monthly subscription fee based on your Vitalitydrive status.

If you do not take out a subscription, you can still contact SmartGuyz for assistance.

Depending on the package you choose you’ll get a number of free kilometres to use for the month. If you exceed the free kilometres you’ll be charged at the end of the month. SmartGuyz will offer an ad hoc service to Vitalitydrive members for a flat fee of R100 for 10km trips. You’ll have to pay the usual rate for a trip over 10km. This will be a cash service only.

In both options you and your car will be fetched at your location and driven safely to your home.

Details on the packages provided by RoadTrip and SmartGuyz can be found at:

www.roadtrip.co.za or by calling 087 943 8671

www.smartguyz.co.za or by calling 0861 762 786

Rewards for driving well

Discovery Insure’s incentive based programme that rewards you for driving well..

Excess Funder Account

Get up to 10% of your car insurance premiums paid into your Excess Funder Account each month. You can use it to fund the excess on your motor claims orwithdraw up to 50% of the Excess Funder Account balance after three years. Fuel rewards can also be doubled and added to your Excess Funder Account with the Excess Funder Account Booster.

Advanced telematics measure your Driver Quotient

You earn Driver Quotient (DQ) Points by improving your driving and vehicle safety.

DQ-Track - a telematics and tracking device - measures driving behaviour in real time. Each month, you can earn Driver Quotient (DQ) Points based on your driving behaviour.

In creating our profile of a driver, we consider factors such as harsh braking, acceleration and cornering, all of which increase the risk of loss of control of a vehicle. You can also use the interactive online tool, DQ Mapper, to see your past trip information and driver records.

In addition to driver behaviour points, you can earn up to 500 DQ Points a month by taking steps to improve your driving knowledge, awareness and vehicle safety.

Vitalitydrive has the full list of points earning activities.

Fuel rewards on your monthly fuel spend

Fuel rewards that may be used to fund your plan excess.

Get up to 50% in BP fuel rewards

You can earn fuel rewards from the first day you join Discovery Insure when you activate Vitalitydrive.

Your rewards are determined as follows:

*Fuel rewards are based on the number of DQ Points you earn each month.

To get maximum fuel rewards you need to:

Insure your car and household contents for more than R250 000 with us.
Pass the Tiger Wheel & Tyre Annual MultiPoint check.
Earn DQ Points.
Fill up at BP and swipe your Vitalitydrive card.

Remember: you can choose to have your fuel rewards doubled - up to 100% - and paid into your Excess Funder Account with the Excess Funder Booster.

State-of-the-art vehicle and passenger safety features

By activating Vitalitydrive and DQ-Track, you have access to several features and tools to improve your vehicle and passenger safety.

Stolen vehicle recovery included at no extra cost

DQ-Track is also a stolen vehicle tracking and recovery device. Vitalitydrive members who install DQ-Track have access to nationwide stolen vehicle tracking and recovery at no extra cost.

Vehicle safety features through VehicleProtector

The VehicleProtector reduces the risk of vehicle theft by providing immediate alerts and notification if your car battery or DQ-Track is tampered with or if your vehicle is moved without going through the normal ignition procedure.

You also have these safety features at no extra cost:

You get accurate travel directions within the borders of South Africa through Direction Assist. You’ll get the directions by telephone, fax or email
You get regular contact throughout your journey through a 24-hour helpline, Trip Monitor, ensuring your safe arrival at your destination

ImpactAlert

ImpactAlert keeps you and your family safe on the road by providing medical assistance when you need it.

ImpactAlert gives you the following benefits:

Medical assistance after an event where your DQ-Track detects severe G-forces, suggesting a possible impact
Dispatch of medical assistance under certain conditions
Discovery Health Medical Scheme members will have their unique medical information sent to the scene of the accident to assist medical staff in providing you with appropriate care and treatment.

How does ImpactAlert work?

When your DQ-Track detects a severe G-force, it immediately sends us a notification. We monitor your vehicle to determine if it’s stationary or you continue driving normally. If your vehicle stops, we will try to call you on your cellphone. If we can’t reach you, we will send assistance to the accident scene. If you are a Discovery Health member your medical details will be sent to the emergency medical response unit to ensure that you receive appropriate care.
ImpactAlert will work provided that your DQ-Track is functioning and in an area with cellular network coverage. This benefit is available at no additional cost when you install a DQ-Track.

Get up to 10 % off on all purchases at Tiger Wheel & Tyre.

Save up to 10% at Tiger Wheel & Tyre when you spend a maximum of R5000 per transaction and up to R10 000 per month.

Personal and household insurance

Choose extra vehicle, personal and household insurance depending on your needs

Discovery Insure FastTrack Claims

As part of our SmartClaims, Discovery Insure's FastTrack Claims benefit promises that approved claims for all specified electronic portable possessions that have been lost or stolen, will be replaced within 24 hours in Johannesburg or 48 hours in other metropolitan areas - initially in Pretoria, Port Elizabeth, Durban and Cape Town. If the specified portable possessions item that needs to be replaced is unavailable we will reimburse you in cash, and the funds will reflect in your premium paying bank account within 48 hours - depending on your bank.

If we fail to deliver on our promise, we will waive the excess on your claim.

Terms and Conditions apply.

Young Adult Plan

Get up to 25% of your car insurance premium back each month with Young Adult Plan.

The Young Adult Plan is available to all primary drivers younger than 25 years.

Features of the Young Adult Plan include:

Get up to 25% of your car insurance premium paid into your Rewards Fund every month.
Regular driver feedback to help you become an even better driver.
Every six-months your Rewards Fund will be paid into your Rewards Card.
Your Rewards Card is a Visa debit card, that can be used for purchases at stores that accept Visa Card.

How the Rewards Fund works

25% of your car insurance premium paid into your Rewards Fund every month. Your Rewards Fund will increase and decrease each month based on your Vitalitydrive status at the end of that month as follows:

We'll also deduct R10 for every kilometre you drive between 23:00 and 04:30. By using NightDriver during these times, no nighttime driving kilometres will be deducted from your Rewards Fund.

FamilyProtector

As a member of Vitalitydrive, you can purchase a panic button at a once of cost. When this button is pressed, we will immediately send out security services to your vehicle location

You can access BusinessSupport which enables you to mark your business trips and produce a report for SARS purposes

In addition to standard viewing features, satellite images can also be viewed on DQ Mapper

Call 0860 751 751 now to activate this package of services.

This benefit is provided at an additional monthly cost per car.

Who is it for?

FamilyProtector is for any Vitalitydrive client who wants to ensure their family is safe on the road at all times. It’s ideal for those who travel a lot or who are away from their families for long periods of time.

Why is it important?

No matter how many precautions you take, you can’t be with your family at all times. FamilyProtector gives you peace of mind by allowing you to monitor your family’s safety on the road, no matter where you are. FamilyProtector is managed by the DQ Mapper, so as long as you have online access you can keep an eye on your loved ones.

Features like Panic Assistance also help you make sure that your family will get the assistance they need and always feel safe even if you’re unavailable.

HomeProtector: Security and emergency accommodation

A burglary can be a traumatic experience. To help give you and your loved ones peace of mind, we offer home security services for up to two nights after a burglary and emergency accommodation up to R3000.

No excess for claims beyond your control for household content and personal possessions items

You won't have to pay excess on claims caused by burglary, fire, lightning, hail, storm or flood damage.

Hits to date:

Kwikwap Website Consultant: Kwikweb

Terms and Conditions

Website consultant: Kwikweb
Email: info@kwikweb.co.za
Cell number: 0210720303

1. Introduction
These are the general terms of the relationship between you (website visitor) and us (website owner). The terms cover all use of this website. You agree to the terms by visiting and using this website.
2. Definitions and interpretation
2.1 Definitions. In the agreement:
terms means the terms, consisting of:
these terms of use; and any other relevant specific terms, policies, disclaimers, rules and notices agreed between the parties, (including any that may be applicable to a specific section or module of the website); we, us, or our means , the owner of the website. It includes our officers, agents, employees, owners, co-branders and associates where the terms limit or exclude our liability; you or your means any visitor to this website, including any other person, website, business or agent (including any virtual or robotic agent) associated with the visitor.
2.2 Conflict. If the meaning of any general term conflicts with any other relevant specific term, the specific term will apply. Specific terms apply to a specific section of the website or have been specifically agreed between you and us.
3. Use of this website
3.1 Licence. We grant you a limited licence to use this website on these terms. We may cancel your licence at any time for any reason. Your licence is automatically cancelled if you do not get our written permission before using this website in a way these terms do not allow.
3.2 Breach. If you breach any of the terms or infringe any other person's rights (including copyright), we may cancel your licence, block you from using the website, claim specific performance or damages against you and take any other steps the law allows, without affecting our rights.
3.3 Framing. You may not frame this website or any of its pages.
3.4 Linking. You may only link to the home page of this website. You may not deep link (link to any other page) or link in any way that could suggest that we endorse or support you, or that you have any rights in our website or intellectual property.
3.5 Virtual agents. You may not use any technology (including spiders, crawlers, bots and similar virtual agents) to search or gain any information from this website.
4. Your capacity
4.1 Capacity and agreement. You promise that you may visit this website and agree to the terms because you are: are at least 18 (or regarded as legally adult), and have the legal right and capacity to do so; or are not 18 yet, but have permission from your parent (or legal guardian) to do so.
4.2 Accurate information. You promise that you will give only accurate information to us and this website.
5. Intellectual property
5.1 Ownership. Except as provided to the contrary in the agreement, all right, title, interest, and ownership (including all rights under all copyright, patent, and other intellectual property laws) in, to or of this website are our sole property or will vest in us or a third party licensor. All moral rights are reserved.
5.2 Trademarks. Our logo and sub-logos, marks, and trade names are our trademarks and no person may use them without permission. Any other trademark or trade name that may appear on our marketing material is the property of its respective owner.
5.3 Restrictions. Except as expressly permitted under the agreement, the website may not be: modified, distributed, or used to make derivative works; rented, leased, loaned, sold or assigned; decompiled, reverse engineered, or copied; or reproduced, transferred, or distributed.
6. Limits to our liability
6.1 You use this website at your own risk. We provide the website `as is`. We do not give any express or implied warranty or make any other promise about this website. For example, we do not warrant that it is good quality, fit for any particular purpose, accurate, complete, up-to-date, legally effective or secure. We also do not warrant that it is free of latent defect, errors, malicious software or infringing content, or that you will have quiet or uninterrupted use of it.
6.2 You indemnify us. You indemnify (or promise to protect) us against any claim, demand, loss, damage, cost, or liability (including reasonable attorneys' fees) related to your use of this website.
6.3 Faults. We will do our best to fix any fault in this website as soon as reasonably practical after we find out about it. This is the limit of our responsibility and liability for any fault in the website.
6.4 Direct damages limited. If the previous clause does not apply for any reason, our maximum liability to you for all claims for direct damages is R100. This limit applies whether a claim is based on contract, delict (tort) or any other legal cause of action.
6.5 No liability for indirect damages. We will never be responsible for any indirect or consequential damages or losses, even if we should have foreseen them. These may include any loss of profit, loss of goodwill, loss of use or damages related to lost or damaged data.
6.6 Other website. We are not responsible for anyone else's website.
7. General
7.1 Entire agreement. The terms are the entire agreement between the parties on the subject.
7.2 Changes to website. We may change or stop publishing this website without notice and will not be responsible for any consequences.
7.3 Changes to terms. We may change the terms by placing a notice on this website. If you do not agree with the change, you must stop using this website or the changed terms will apply to you.
7.4 Facts about website. If an administrator of this website signs a letter confirming any fact related to the website, that letter is conclusive proof of its contents. These may include the version of the terms that apply to any dispute, or what content or functions the website had at a particular time or date.
7.5 Waiver. We do not ever waive (give up) our rights, even if we allow you any favour or extension of time, or we delay enforcing our rights against you.
7.6 Severability. Any term that is invalid, illegal or cannot be enforced must be regarded as deleted. The remaining terms continue as intended.
7.7 Law and jurisdiction. South African law and conditions (such as time and date) govern the terms. Only the South African courts may decide any dispute about the terms.

Privacy Policy
1. Collection We collect certain information: when you contact us on our website; from your web browser; from cookies we may send to your computer and from web beacons on our website to track how you use our website and to try and give you a personalised experience; and optional information, that you provide when you upload or download content from our website.
2. Use We may use your information: to send you send administrative messages and email updates to you regarding the website; for marketing purposes; targeted content in certain, specified instances.
3. Disclosure We might disclose your information in the specific circumstances mentioned in this policy.
4. Security Our hosting company will host your website in a secure server environment.
5. Your choices You can turn off cookies in your browser; or You can opt-out of marketing communications with us.
6. Contact us You can contact us with privacy related questions at danie@10g.co.za address
7. Audience This policy applies to all visitors to our website (`you` and `your`).
8. Purpose of this policy We respect your privacy and take the protection of personal information very seriously. The purpose of this policy is to describe the way we collect, store, use, and protect information that can be associated with a specific natural or juristic person and can be used to identify that person (`personal information`). Personal information:
8.1 includes certain information collected when you contact us (see below); and optional information that you voluntarily provide to us (see below).
8.2 excludes information that has been made anonymous so that it does not identify a specific person; permanently de-identified information that does not relate or cannot be traced back to you specifically; and non-personal statistical information collected and compiled by us and information that you have provided voluntarily in an open, public environment or forum including (without limitation) any blog, chat room, community, classifieds or discussion board. Because the information has been disclosed in a public forum, it is no longer confidential and does not constitute Personal Information subject to protection under this policy.
9. Acceptance of terms By using this website you are deemed to have read, understood, accepted, and agreed to be bound by these terms.
10. Collection
10.1 On registration. Once you contact us on our website, you will no longer be anonymous to us as you will provide us with personal information.
10.2 Collection from browser. We automatically receive and record internet usage information on server logs from your browser (`usage information`).
10.3 Cookies. When you access our website we may send one or more cookies (small text files containing a string of alphanumeric characters) to your computer to collect certain usage information. We use information gathered by cookies to improve the website. Please note that some of our business partners (e.g. advertisers) use their own cookies or widgets on our website. We have no access to or control over them. Information collected by any such cookie or widget is governed by the privacy policy of the company that created it, and not by us. We use Remarketing with Google Analytics to advertise online. Third-party vendors, including Google, show your ads on sites across the Internet. Lead Find and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on someone's past visits to this website. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.
10.4 Web beacons. Our website may contain electronic image requests (called a `single-pixel gif` or `web beacon` request) that allow us to count page views and to access cookies. Any electronic image viewed as part of a web page (including an ad banner) can act as a web beacon. Our web beacons do not collect, gather, monitor or share any of your personal information. We merely use them to compile anonymous information about our website.
10.5 Recording calls. We will monitor and record telephone calls that you make to our call centre, unless you specifically request us not to.
10.6 Optional details. You may provide information on a voluntary basis (`optional information`). This includes content or product that you decide to upload or download from our website or otherwise use any optional features and functionality of the website.
10.7 Purpose for collection. We may use any optional information provided by you for such purposes as indicated to you at the time you agree to provide such optional information.
11. Consent to collection We will obtain your consent to collect personal information: in accordance with applicable law; and at the time you provide us with any optional information.
12. Use We may send administrative messages and email updates to you regarding the website. In some cases, we may also send you primarily promotional messages. You can choose to opt-out of promotional messages.
13. Disclosure
13.1 Sharing. We may share your personal information with: other divisions or companies within the group of companies to which we belong; and an affiliate, in which case we will seek to require the affiliates to honour this privacy policy.
13.2 Regulators. If you contact us regarding your experience with using any of our products, we may disclose your personal information as required by law or governmental audit.
13.3 Law enforcement. We may disclose personal information if required: by a subpoena or court order; or to comply with any law.
13.4 Marketing purposes. We may disclose aggregate statistics (information about the customer population in general terms) about the personal information to advertisers or business partners.
13.5 Employees. We may need to disclose personal information to our employees that require the personal information to do their jobs.
13.6 Change of ownership. If we undergo a change in ownership, or a merger with, acquisition by, or sale of assets to, another entity, we may assign our rights to the personal information we process to a successor, purchaser, or separate entity. We will disclose the transfer on the website. If you are concerned about your personal information migrating to a new owner, you may request us to delete your personal information.
14. Security of personal information Our hosting company will host our website in a secure server environment that uses a firewall and other advanced security measures to prevent interference or access from outside intruders. We authorize access to personal information only for those employees who require it to fulfil their job responsibilities.
15. Retention of personal information
We will only retain your personal information for as long as it is necessary to fulfil the purposes explicitly set out in this policy, unless: retention of the record is required or authorised by law; or you have consented to the retention of the record. During the period of retention, we will continue to abide by our non disclosure obligations and will not share or sell your personal information.
16. Limitation We are not responsible for, give no warranties, nor make any representations in respect of the privacy policies or practices of linked or any third party websites.
17. Enquiries If you have any questions or concerns arising from this privacy policy or the way in which we handle personal information, please contact us.