Discovery Car Insurance Review 2023

 Discover car insurance is a motor insurance that covers motorcycles, quad bikes, trailers, caravans, and motor vehicles, and policyholders can receive up to 50% of their fuel expenses reimbursed back. At an additional premium, Discovery car insurance policyholders can obtain a credit shortfall of up to R250,000.00. Furthermore, the Discovery car insurance includes a write-off accelerator of 40% – 50% of the vehicle’s value.

Additional features can be added to the Discovery car insurance policy at an additional cost. The Discovery car insurance add-ons include:

  • Car retail value booster – by adding this feature, you opt to get your car’s retail value + 15% if written off. 
  • Credit shortfall cover of up to R250,000.00. 
  • Car hire upgrade up to 60 days. 
  • Add multiple vehicles on an insurance plan and pay lower premiums (only on purple plan). 
  • Vitality Drive – with Vitality Drive, you get rewards for driving well. 
  • Lower car write off percentage. 

The Discovery Car Insurance comes with 3 car insurance plans to choose from. These include:

  • Essential Plan, 
  • Classic Plan, and 
  • Purple Plan

Since the aforementioned car insurance plans are an integral part of Discovery car insurance, we go over them in depth below.

Discovery Car Insurance Plans 

Essential Plan

Discovery Essential Plan is a car insurance product that provides individuals with comprehensive vehicle insurance. With Vitality Drive, policyholders can receive up to 25% of their monthly fuel allowance for driving safely. Uber trip discounts of up to 10% are available on Vitality Drive for individuals who drive responsibly. Customers can receive up to 25% of their monthly Gautrain spend back if they drive safely.

Personal liability insurance is included in the Essential plan. Discovery Insure protects the customer if he or she becomes legally obligated to pay compensation for accidental death, bodily injury, illness, or accidental loss or damage to another person’s property.

Roadside assistance is included in the coverage. Emergency roadside assistance includes navigation assistance and trip monitoring to ensure that the insured arrives safely home. The essential plan also includes trauma support. After a hijacking or a major vehicle accident, Discovery Insure provides professional counseling to those who have had a traumatic experience.

The Essential Plan allows policyholders to select the amount of excess payable in the event of a claim. This enables customers to tailor their plan to their projected budget. 

Classic Plan 

The Discovery Classic car insurance plan is a more comprehensive comprehensive car insurance plan than the Essential plan. The Vitality Drive Program rewards policyholders for safe driving and provides safety features.

If a customer’s claim is based on car-related issues, weather-related issues, or an insured third party causes an accident, the Classic plan does not require an excess payment towards the customer’s car. When an excess payment is due, Discovery Insure allows policyholders to select the amount payable in the event of a claim.

When a customer’s car is involved in an accident or is being repaired, he or she will have access to a car rental when filing a claim. Car rental is available for up to 30 days after filing a claim. There are also optional Uber benefits available.

The plan includes up to 50% fuel cashback and Gautrain spend back every month for driving safely. The Classic plan includes personal liability coverage. If the policyholder becomes legally obligated to pay compensation for accidental death, bodily injury, illness, or accidental loss or damage to another person’s property Discovery makes a payment towards the expenses.

Purple Plan 

The Discovery Purple Plan is designed for clients with insured assets exceeding R5 million. The product provides comprehensive car insurance with additional benefits. The purple plan offers more benefits than the Classic and Essential plans. The plan includes a dedicated Discovery Insure service executive to handle individual insurance needs.

Policyholders who insure multiple vehicles with the Discovery receive lower premiums, but only if only one vehicle is driven at a time. Vehicles that are less than 24 months old are replaced with vehicles of a similar make or model if written off. Roadside assistance is included in the Purple plan and assists with roadside assistance needs.

When a policyholder makes a claim, they are provided with a rented car for up to 30 days. When a claim is made, Uber benefits are also available. Excess payment is not required if a car is stolen or damaged due to weather-related incidents. There is excess flexibility, which allows you to select the excess amount payable in the event of a claim.

Discovery Car Insurance Additional Features 

There are features that one can add to their insurance products. Additional features are there to insure smaller car accessories and benefit the policyholder. Additional features can include one or more of the following:

  • Credit Shortfall cover – pay off the difference between the value of the vehicle and the amount one owes to the financial institution. 
  • Upgrade Car Hire – gives freedom for one to upgrade their car hire for up to 60 days. 
  • Vitality Drive

Advantages of the Discovery Car Insurance

  • Vehicle insurance plans can be easily differentiated by cover amount and list of covered occurrences.
  • There are additional features available that one can add to their car insurance plan.
  • Different types of motor vehicles can be covered with the Discovery Car Insurance.
  • Motor vehicle plans come with benefits such as cashback on fuel purchases or discounts on Gautrain rides.
  • There are different plans to choose from.
  • Cover amount can be adjusted.

Disadvantages of the Discovery Car Insurance

  • Those that travel less get optimum premium decrease. Even if you drive better you won’t get a premium discount like those that drive for less than 250kms per month.


Discovery Car Insurance Products come with broader plans and the cheapest plan offered has a satisfactory number of occurrences covered at a competitive price. The car insurance products from the insurer are good and can be trusted.