Discovery Car Insurance Review 2022

Published by
Lethabo Ntsoane

Discovery Insure has market-leading innovative car insurance solutions that come with safety features for customers. The solution allows individuals to be part of Vitality Drive. Vitality Drive is a reward program that rewards clients that drive well with complimentary benefits such as fuel cashback, discounts on Uber rides, and vehicle service and maintenance discounts. 

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Good drivers are rewarded under the Vitality Drive program with active rewards on a weekly basis. Policyholders can benefit from the Vitality Drive feature if they are members of the program. Therefore, policyholders need to add the Vitality Drive to their car insurance policy. A Vitality Drive sensor will be installed to check how well one drives. 

The Discovery Insure car insurance solution comes with an easy way to subscribe. One can get a quote in just 60 seconds on the Discovery website. Policyholders can register their profiles on the Discovery website or download the Discovery app. This will help them to keep track of their car insurance product and allow them to easily make additions or subtraction to their product. 

Discovery Car Insurance Summary

Discovery Car Insurance is a car insurance solution that offers different cover plans to cater to the different needs of motorists. Plans available from Discovery Car insurance include:

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

The car insurance solutions don’t only offer car insurance products but also have some motor and car accessories insurance. Cover for things such as motorcycles, quad bikes, caravans, trailers, and watercraft are also available. 

Discovery Car Insurance Products

Discovery Insure has 3 plans that vehicle owners can choose from. The plans are discussed below. 

Essential Plan

Discovery Essential Plan is a car insurance product that gives individuals comprehensive vehicle insurance. Policyholders can get up to 25% fuel back per month for driving well with Vitality Drive. Uber trip discounts of up to 10% are available on Vitality Drive for individuals that drive responsibly. Customers can get up to 25% of Gautrain spend back every month for driving well. 

The Essential plan comes with personal liability cover. Discovery Insure covers the customer if he/she becomes legally responsible to pay compensation for accidental death, bodily injury, illness, or accidental loss or damage to the property of any person. 

Roadside assistance forms part of the cover offering. Emergency roadside assistance includes direction assistance and trip monitor so that the insured gets home safe. Trauma support is also included in the essential plan. Discovery Insure affords those that had a traumatic experience with professional counselling after a hijacking or a major vehicle accident. 

The Essential Plan gives policyholders the option to choose the excess amount payable in the event of a claim. This allows customers to tailor-make their plan according to their projected budget. If a third party causes an accident, under the Essential plan there is no access that needs to be paid. 

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Classic Plan

Discovery Classic car insurance plan is an accelerated comprehensive car insurance plan that offers a broader list of benefits than the Essential plan. Policyholders get rewards for driving well and get safety features with the Vitality Drive Program. 

The Classic plan doesn’t require excess payment towards the customer’s car if their claim is based on car-related issues and weather-related claims or if an insured third party causes an accident. Where excess payment is due, Discovery Insure gives policyholders an option to choose the excess amount payable in the event of a claim. 

When a customer’s car is involved in an accident or if it is being repaired, he/she will get access to a car hire when they claim. Car hire is for up to 30 days from making a claim. There are also optional Uber benefits that one can utilize. 

The plan comes with up to 50% fuel cashback and Gautrain spend back every month for driving well. Personal liability cover forms part of the Classic plan. Money is available should the policyholder become legally responsible to pay compensation for accidental death, bodily injury, illness, or accidental loss or damage to the property of any person. 

Purple Plan

Discovery Purple Plan is for clients with over 5 million in insured assets. The product offers comprehensive car insurance with enhanced benefits. The benefits of the purple plan are better than the Classic and Essential plan. The plan comes with a dedicated Discovery Insure service executive to deal with one’s individual insurance needs. 

When multiple cars are insured with the Discovery, policyholders get reduced premiums but only if one is driven at a time. Cars that are less than 24 months old are replaced with similar make or model. Roadside assistance forms part of the Purple plan and helps with roadside assistance needs. 

Policyholders get a hired car for up to 30 days when they make a claim. Uber benefits are also available when a claim is made. Excess payment is not required if the loss or damage of a car is due to theft or weather-related incidents. There is excess flexibility which gives one an option to choose 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.

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Lethabo Ntsoane

Lethabo Ntsoane holds a Bachelors Degree in Accounting from the University of South Africa. He is a Financial Product commentator at Rateweb. He is an expect financial product analyst with years of experience in reviewing products and offering commentary. Lethabo majors in financial news, reviews and financial tips. He can be contacted at

Published by
Lethabo Ntsoane
Tags: Discovery