DISCOVERY INSURE
Quick Guide


Please refer to the Plan Guide, Benefit Limit Annexure and Excess Annexure for a comprehensive understanding and explanation of the difference between each plan.Plan Comparison
KEY SELLING FEATURES
REWARDS FOR DRIVING WELL Essential Plan Classic Plan Purple Plan
Fuel Rewards OR Drive your Discount
Insure Funder Account (only available with Fuel Rewards option)
Young Adult benefit (only available with the Fuel Rewards option)
Vitality Active Rewards
0% anniversary increase for Diamond drivers
Tiger Wheel & Tyre discount Up to 20% Up to 20% Up to 20%
Discounted car servicing and maintenance with Bosch Up to 20% Up to 20% Up to 20%
Discounted car servicing and maintenance with Bosch and Motus
for clients with Discovery Insure Vehicle WarrantyUp to 100% Up to 100% Up to 100%
Discounted car seats Up to 50% Up to 50% Up to 50%
Drive Me 10% off with Uber.25% off with Drive Me partners
(Uber, Road Trip and Scooter Angels).25% off with Drive Me  partners
(Uber, Road Trip and Scooter Angels).
SAFETY FEATURES Essential Plan Classic Plan Purple Plan
Impact Alert
Find my vehicles
Vehicle panic button
Weather warnings
Crowd Search SVR
Motion Alert*
VEHICLE COVER
No excess if an accident was caused by an insured third party
No excess in the event of theft-related and weather-related claims
Excess flexibility
Write-off accelerator Optional Optional Optional
* Motion Alert is only available on the Crowd Search Sensor


BUILDING COVER
No excess in the event of weather-related claims
Excess flexibility
Home Assist
Home Protector
HOUSEHOLD CONTENTS COVER
No excess in the event of theft (forced entry) and weather-related claims
Excess flexibility
Home Assist
Home Protector
No-average guarantee
Online Vault
All risk cover
Embedded portable possessions cover
PORTABLE POSSESSIONS COVER
Excess flexibility
Online Vault
Estimated maximum loss
My Jeweller
Flexible portable possessions cover
UNIQUE SERVICE FEATURES
Auto Claims
Claims View
Fast Track claims
Personalised service
Xpress Repairs
Instant Cover
Cellphone upgrade benefit
Legal support benefitRetail value booster Optional Optional Optional
Car hire for up to 30 days, including optional Uber benefits Optional
Retail value for keys, locks and remote controls
Replacement value of new car of similar make and model if the
car is less than 24-months old from the date of first registration


Clients have the flexibility to choose added benefits according to their unique circumstances because of the comprehensive
insurance offered by Discovery Insure. These optional benefits are available in five sections of cover: vehicles, household
contents, buildings, portable possessions and personal liability cover.
Below is a summary of the different optional benefits available for each plan type.Optional Benefits
You can access the detailed
Optional benefits document here.
DISCOVERY INSURE’S OPTIONAL BENEFITS, AVAILABLE TO ALL CLIENTS AT AN ADDITIONAL MONTHLY PREMIUM
The Vitality Drive programmeThe Vitality Drive programme is an optional benefit on the Purple, Classic and Essential Plans. Once the Vitality Drive programme is selected, clients must
install a Vitality Drive telematics device, which measures and provides feedback on driving behaviour.
Reward optionsVitality Drive has two reward options to choose from. Your clients will either be able to join the Vitality Drive Fuel
Rewards option and earn up to R1,500 of their fuel spend back each month and have access to additional benefits
and safety features, or they can join Vitality Drive through Drive your Discount and get an upfront and ongoing vehicle
premium discount of up to 20%.
Young Adult benefit optionThis benefit is optional for drivers younger than 26 on the Fuel Rewards option. Young adults will have their Rewards
Fund balances (25% of their car insurance premium plus up to R200 a month based on driving behaviour) paid into their
specified bank account at the end of the six-month cycle in addition to receiving monthly Fuel Rewards. The Young Adult
benefit is available on the Purple, Classic and Essential Plans (on the Fuel Rewards option only).
Telematics devicesThe following telematics devices are available for every car on the Classic, Purple and Essential Plans:


Vitality Drive Sensor, a smartphone-enabled device that offers the latest telematics technology with immediate
driver behaviour feedback.
  Crowd Search Sensor, a smartphone-enabled device that includes additional safety features such as advanced
stolen-vehicle tracking and recovery technology at an additional cost of R115 a month.
  Standalone DQ-Track for clients who don’t have a compatible smartphone. It includes stolen-vehicle tracking and
recovery at an additional cost of R115 a month.
PremiumWith effect from July 2020, the Vitality Drive premium will be:
  R75.50 for clients on the Essential Plan.
  R92.50 for clients on the Classic or Purple Plans.


Excess flexibility Clients have complete flexibility in choosing an excess that meets their needs, including a R0 excess.
Vehicles Essential Plan Classic Plan Purple Plan
Car hire for up to 30 days, including optional Uber
benefits
Car hire for up to 60 days, including optional Uber
benefitsCar hire for up to 60 days, including optional Uber
benefitsCar hire for up to 60 days, including optional Uber
benefits
Car hire: Car type upgrade Car hire: Car type upgrade Car hire: Car type upgrade
Credit shortfall of up to R150 000 Credit shortfall of up to R250 000 Credit shortfall of up to R250 000
Write-off accelerator at 40% or 50% Write-off accelerator at 40% or 50% Write-off accelerator at 40% or 50%
Retail value booster at 15% or 25% Retail value booster at 15% or 25% Retail value booster at 15% or 25%
Discovery Insure Vehicle Warranty Discovery Insure Vehicle Warranty Discovery Insure Vehicle Warranty
Household contents Additional accidental damage cover, (including power
surge) up to 10% of the sum insuredAdditional accidental damage cover, (including power
surge) up to 20% or up to 100% of the sum insured.
60 days' unoccupied cover 60 days' unoccupied cover 60 days' unoccupied cover
Additional goods in the open cover, up to R100 000 Additional goods in the open cover, up to R100 000 Additional goods in the open cover, up to R100 000
Comprehensive subsidence and landslip cover Comprehensive subsidence and landslip cover Comprehensive subsidence and landslip cover
Worldwide portable possessions cover, up to 20% of
the sum insured (with a maximum R150,000 per item,


the sum insured (with a maximum R150,000 per item,
pair or set)
Buildings 60 days' unoccupied cover 60 days' unoccupied cover 60 days' unoccupied cover
Comprehensive subsidence and landslip cover Comprehensive subsidence and landslip cover Comprehensive subsidence and landslip cover
Pipes and water heating systems wear-and-tear cover Pipes and water heating systems wear-and-tear cover
Portable possessionsGeneral clothing and personal effects General clothing and personal effectsGeneral clothing and personal effects up to R150 000
per item, pair or set
Specified items cover Specified items cover Specified items cover
My Jeweller for specified jewellery My Jeweller for specified jewellery My Jeweller for specified jewellery
Estimated maximum loss Estimated maximum loss Estimated maximum loss
Personal liability Option to buy up to R20 million Option to buy up to R50 million
RCK_93797IN_23/01/2023_V1Discovery Insure Ltd is a licenced non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations can be found on our
website, www.discovery.co.za or you can call 0860 751 751.


ESSENTIAL
PLAN
Comprehensive car and home insurance with
unique driving rewards and safety features
DISCOVERY INSURE  | 2022


Essential Plan
The Essential Plan gives you comprehensive vehicle
and home insurance. The Vitality Drive programme
rewards you for driving well and provides state-of-
the-art safety features.
Our unique service features speed up the claims
process, keep you informed throughout and enable
you to actively manage your plan.
  Get up to 25%
of your  fuel spend back every month for driving
well.
  Impact Alert
gets you immediate emergency assistance if we
detect a severe impact to your car, even if we can’t
get hold of you.
  No excess
if an accident is caused by an insured third party.
  Get up to 10% off Uber trips
any time of the day.
DISCOVERY INSURE
01
ESSENTIAL PLAN | 2022


Vehicle cover
NO EXCESS
In the event of an accident being
caused by an insured third party.
EXCESS FLEXIBILITY
Choose your own excess to meet
your needs.
WRITE-OFF ACCELERATOR*
Choose to write your car off
at a lower damage level.RETAIL VALUE BOOSTER*
Choose to get an additional 15% or 25%
when your car is stolen or written off.
CAR HIRE OR UBER*
Get optional car hire cover, or
choose to use Uber services instead,
while your vehicle is being repaired.
EMERGENCY ROADSIDE
ASSISTANCE
Including Direction Assist and
Trip Monitor. * Optional benefitGET OPTIONAL VEHICLE WARRANTY COVER
Comprehensive, market-leading mechanical breakdown and electrical
failure cover for 36 critical vehicle components, including:
  Peace of mind ensured by unlimited vehicle part cover and a flat excess
  Embedded wear-and-tear cover for insured components
  One simple product with a personalised premium to reflect your own risk
  Unique Vitality Drive car servicing discounts to reward you for driving well.
DISCOVERY INSURE
ESSENTIAL PLAN | 2022
02


Home cover
EXCESS FLEXIBILITY
Choose your own excess to meet your specific needs.
HOME ASSIST
Emergency plumbing, electrical and locksmith services.
HOME PROTECTOR
Emergency security and alternative accommodation.
NO-AVERAGE GUARANTEE
Complete an inventory assessment and know that
your home contents are assessed and insured correctly.
ONLINE VAULT
Store important documents, proof of ownership and
valuation certificates online.
 ESTIMATED MAXIMUM LOSS
Manage your portable possessions cover and premium.
MY JEWELLER**
Choose to repair or replace your specified jewellery at
your preferred provider.
* Optional benefit
DISCOVERY INSURE
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ESSENTIAL PLAN | 2022


Unique service features
AUTO CLAIMS
Submit your geyser, vehicle glass,
cellphone, and electronic equipment
claims to our automated claims agent
online or on your smartphone to have
your claims approved within minutes.CLAIMS VIEW
View the progress of your
claims online with real-time
updates.
FAST TRACK CLAIMS
We process your specified lost or
stolen cellphone claims within 48
hours.LEGAL SUPPORT BENEFIT
Get affordable online or telephonic
access to an array of top-quality legal
support services.
INSTANT COVER
Add new vehicles and portable
possessions to your plan instantly and
easily on your smartphone.
XPRESS REPAIRS
Submit your car’s minor damage
claim on our website or on your
smartphone and we’ll repair it
within five working days of starting
the repair. If not, the next month’s
premium for the damaged car will be
reimbursed.
DISCOVERY INSURE
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ESSENTIAL PLAN | 2022


Rewards for driving well
Vitality Drive is Discovery Insure’s unique driver behaviour programme that rewards you for driving well
INSURE FUNDER ACCOUNT (IFA)
Double the value of your fuel cash back by paying it
into your Insure Funder Account.
Use your Insure Funder Account to:
  Build up funds to cover your vehicle excess in the
event of a claim
 Fund any car or car hire claim excess
  Fund up to 100% of your tyre spend at Tiger
Wheel & Tyre.
Get up to 25% , with a maximum of R750,
of your bp and Shell fuel spend and Gautrain
spend back every month for driving well.FUEL CASH BACK
DISCOVERY INSURE
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ESSENTIAL PLAN | 2022


When you achieve your drive goal, you will earn a
play on the Vitality Active Rewards gameboard
where you will be able to flip a tile to reveal Discovery
Miles. You can spend your Discovery Miles on coffees,
smoothies, meals, and entertainment - or save them for
higher value rewards like shopping, travel and holiday
vouchers. Drive well to reach your personalised, weekly drive goal
and close your drive ring.
Rewards  for driving well
VITALITY ACTIVE REWARDS
Get rewarded for meeting your weekly Vitality Active Rewards drive goals.OTHER REWARDS AND BENEFITS
GUARANTEED 0% RENEWAL INCREASE
If you earn Diamond Vitality Drive status a set number of times in a
year and are claim-free, you qualify for a 0% renewal increase on
your comprehensive car insurance premium.
DISCOUNTED CHILD CAR SEATS
Up to 50%  discount on a wide range of child car seats
from Toys R Us and Born Fabulous every year.
TIGER WHEEL & TYRE DISCOUNTS
Up to 20% off tyre purchases at Tiger Wheel & Tyre.
DISCOUNTED CAR MAINTENANCE
Up to 20% discount on your car service and maintenance
costs at Bosch.
UBER DISCOUNT
Up to 10% off Uber trips and up to 25% off other drive-me-home
services, any time of the day.
DISCOVERY INSURE
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ESSENTIAL PLAN | 2022


Safety features
IMPACT ALERT
Get immediate emergency
assistance if we detect a
severe impact to your car,
even if we can’t get hold
of you.
WEATHER WARNINGS
Get warnings of imminent
bad weather.*
* Weather information is
provided by South African
Weather Services.
FIND MY VEHICLES
Find your vehicles
in real time.
VEHICLE PANIC BUTTON
Get immediate emergency
assistance through your phone.When you install a Vitality Drive Sensor in your insured vehicle,
you will benefit from a range of state-of-the-art safety features.
YOU ALSO GET ADDITIONAL SAFETY FEATURES WITH THE CROWD SEARCH SENSOR:
  Enhanced stolen-vehicle recovery
  In the event of theft of your vehicle, contact our call centre to initiate the
recovery services. The device in your vehicle will connect to our wireless
network to alert Discovery Insure of the vehicle’s location, facilitating
its recovery.  Motion Alert
  Identifies when the primary driver’s phone is not in the vehicle at the
time the vehicle is moving, alerting you to possible theft.
DISCOVERY INSURE
ESSENTIAL PLAN | 2022
07


How to get started on Vitality DriveHow to get started on Vitality Drive
Follow these simple steps to start earning up to 25% of your fuel spend back:
INSTALL YOUR
VITALITY DRIVE SENSOR
Install your Vitality Drive Sensor at your nearest Tiger Wheel
& Tyre or Discovery Drive Centre and download the Discovery
Insure app to start measuring your driving behaviour.
LINK YOUR
VITALITY DRIVE CARD
Link your Vitality Drive and Gautrain swift cards on the
Discovery app or www.discovery.co.za.
SWIPE YOUR
VITALITY DRIVE CARD
Swipe your Vitality Drive card when you fill up at a
participating bp or Shell service station. You will also
earn cash back on your Gautrain spend.
DISCOVERY INSURE
08
ESSENTIAL PLAN | 2022


How to earn  and maximise your fuel cash back
MAXIMISE YOUR VITALITY DRIVE POINTS AND GET TO THE HIGHEST VITALITY DRIVE
STATUS PERCENTAGE
You can earn up to 3,000 Vitality Drive points every month and earn a Vitality Drive status based on those points.
As you earn more Vitality Drive points, you will progress through the statuses and qualify for a higher fuel cash back.
Plus, you can double your monthly Vitality Drive status percentage by adding at least R300,000 of home insurance
(household contents, buildings or both) to your plan.YOUR MONTHLY FUEL CASH
BACK IS CALCULATED AS
FOLLOWS:MAXIMISE YOUR VITALITY DRIVE POINTS AND GET TO THE HIGHEST CASH-BACK PERCENTAGE
You can earn up to 3,000 Vitality Drive points every month and earn a Vitality Drive status based on
those points. As you earn more Vitality Drive points, you will progress through the statuses and qualify
for a higher fuel cash back.
Plus, you can double your monthly fuel cash back percentage by adding at least R250,000 of home
insurance (household contents, buildings or both) to your plan.
Vitality Drive
statusVitality Drive
pointsFuel cash back percentage
Car insurance only Car and home insurance
Blue 0 to 799 1.875% 3.75%Bronze 800 to 1,499 3.75% 7.5%Silver 1,500 to 2,199 5% 10%Gold 2,200 to 2,599 10% 20%Diamond 2,600 to 3,000 12.5% 25%
Vitality Drive status %


Vitality Drive status %
Vitality Drive pointsThe lower of
Fuel spend
Vitality Drive status Vitality Drive pointsVitality Drive status %
Car insurance only Car and home insurance
Blue 0 to 799 1.25% 2.5%
Bronze 800 to 1,599 2.5% 5%
Silver 1,600 to 2,199 5% 10%
Gold 2,200 to 2,499 8.75% 17.5%
Diamond 2,500 to 3,000 12.5% 25%
FUEL CASH BACK
DISCOVERY INSURE
09
ESSENTIAL PLAN | 2022


Driving Profile Up to 1,800 Vitality Drive points
Distance points Up to  300 Vitality Drive points
Night-time driving points Up to  300 Vitality Drive points
Claim-free years Up to  300 Vitality Drive points
Annual MultiPoint check Up to 300 Vitality Drive pointsHow to earn up to 3,000
Vitality Drive points every month
You can earn Vitality Drive points for driving well, improving your driver behaviour and by making sure your vehicles are safe to drive.
Accelerating smoothly
Braking smoothly
Cornering smoothly
Driving within the speed limit
Not using your cellphone while
driving.MAXIMISING YOUR DRIVING PROFILE BY DRIVING WELL EVERY DAY
Your daily Drive points will bank towards your monthly Driving Profile,
up to 1,800 points a month60 Drive points are allocated to
you at the start of each dayMaintain your daily Drive points
balance by driving well everyday by:
Driving behaviour
over 30 daysVitality Drive points1,800UP TO
60 Drive points
allocated per day
60
60
DISCOVERY INSURE
10
ESSENTIAL PLAN | 2022


This brochure is
a summary
of the benefits offered by Discovery
for car and home insurance. Speak to
your financial adviser about the full
range of Discovery Insure products
or visit
Discovery Insure Ltd is a licenced non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations
can be found on our website, www.discovery.co.za or you can call 0860 751 751.
RCK_90764IN_20/09/2022_V14
DISCOVERY INSURE


CLASSIC
PLAN
Comprehensive car and home insurance with
unique driving rewards and safety features
DISCOVERY INSURE  | 2022


Classic Plan
The Classic Plan gives you comprehensive insurance
cover for your vehicles, household and portable
possessions at highly competitive rates. The Vitality
Drive programme rewards you for driving well and
provides state-of-the-art safety features.
Our unique service features speed up the claims
process, keep you informed throughout and
enable you to actively manage your plan.
  Get up to 50%
of your  fuel spend back every month for driving
well.
         Impact Alert
gets you immediate emergency assistance if we
detect a severe impact to your car, even if we
can’t get hold of you.
  No excess
for theft- and weather-related claims, or if an
accident is caused by an insured third party.
   Get up to 25% off Uber trips
any time of the day.
DISCOVERY INSURE
CLASSIC PLAN | 2022
01


Vehicle cover
NO EXCESS
In the event of:
 Theft-related claims
 Weather-related claims
  An accident being caused
by an insured third party.
EXCESS FLEXIBILITY
Choose your own excess to meet
your needs.
WRITE-OFF ACCELERATOR*
Choose to write your car off
at a lower damage level.RETAIL VALUE BOOSTER*
Choose to get an additional 15% or
25% when your car is stolen or written
off.
CAR HIRE OR UBER
Up to 30 days’ car hire, or choose
to use Uber services instead, while
your vehicle is being repaired.
EMERGENCY ROADSIDE
ASSISTANCE
Including Direction Assist and
Trip Monitor.* Optional benefitGET OPTIONAL VEHICLE WARRANTY COVER
Comprehensive, market-leading mechanical breakdown and electrical
failure cover for 36 critical vehicle components, including:
  Peace of mind ensured by unlimited vehicle part cover and a flat excess
  Embedded wear-and-tear cover for insured components
  One simple product with a personalised premium to reflect your own
risk
  Unique Vitality Drive car servicing discounts to reward you for driving
well.
DISCOVERY INSURE
CLASSIC PLAN | 2022
02


* Optional benefit
Home cover
NO EXCESS
In the event of:
 Theft (forced entry) claims
 Weather-related claims.
EXCESS FLEXIBILITY
Choose your own excess to meet your needs.
HOME ASSIST
Emergency plumbing, electrical and locksmith services.
HOME PROTECTOR
Emergency security and alternative accommodation.
ONLINE VAULT
Store important documents, proof of ownership and
valuation certificates online.
 ESTIMATED MAXIMUM LOSS
Manage your portable possessions cover and premium.
MY JEWELLER*
Choose to repair or replace your specified jewellery at
your preferred provider.
NO-AVERAGE GUARANTEE
Complete an inventory assessment and know that your
home contents are assessed and insured correctly.
DISCOVERY INSURE
CLASSIC PLAN | 2022
03


Unique service features
AUTO CLAIMS
Submit your geyser, vehicle glass,
cellphone, and electronic equipment
claims to our automated claims agent
online or on your smartphone to have
your claims approved within minutes.CLAIMS VIEW
View the progress of your
claims online with real-time
updates.
FAST TRACK CLAIMS
We process your specified lost or
stolen cellphone claims within
48 hours.LEGAL SUPPORT BENEFIT
Get affordable online or telephonic
access to an array of top-quality legal
support services.
INSTANT COVER
Add new vehicles and portable
possessions to your plan instantly and
easily on your smartphone.
XPRESS REPAIRS
Submit your car’s minor damage claim
on our website or your smartphone
and we’ll repair it within five working
days of starting the repair. If not,
the next month’s premium for the
damaged car will be reimbursed.
DISCOVERY INSURE
CLASSIC PLAN | 2022
04


Rewards for driving well
Vitality Drive is Discovery Insure’s unique driver behaviour programme that rewards you for driving well
INSURE FUNDER ACCOUNT (IFA)
Double the value of your fuel cash back by paying it
into your Insure Funder Account.
Use your Insure Funder Account to:
  Build up funds to cover your vehicle excess in the
event of a claim
 Fund any car or car hire claim excess
  Fund up to 100% of your tyre spend
at Tiger Wheel & Tyre.
Get up to 50%, with a maximum of R1,500,
of your bp and Shell fuel spend and Gautrain
spend back every month for driving well.FUEL CASH BACK
DISCOVERY INSURE
CLASSIC PLAN | 2022
05


OTHER REWARDS AND BENEFITS Rewards  for driving well
When you achieve your drive goal, you will earn a
play on the Vitality Active Rewards gameboard
where you will be able to flip a tile to reveal Discovery
Miles. You can spend your Discovery Miles on coffees,
smoothies, meals, and entertainment - or save them for
higher value rewards like shopping, travel and holiday
vouchers. VITALITY ACTIVE REWARDS
Get rewarded for meeting your weekly Vitality Active Rewards drive goals.
Drive well to reach your personalised, weekly drive goal
and close your drive ring.
GUARANTEED 0% RENEWAL INCREASE
If you earn Diamond Vitality Drive status a set number of times in a
year and are claim-free, you qualify for a 0% renewal increase on
your comprehensive car insurance premium.
DISCOUNTED CHILD CAR SEATS
Up to 50%  discount on a wide range of child car seats
from Toys R Us and Born Fabulous every year.
TIGER WHEEL & TYRE DISCOUNTS
Up to 20% off tyre purchases at Tiger Wheel & Tyre.
DISCOUNTED CAR MAINTENANCE
Up to 20% discount on your car service and maintenance
costs at Bosch.
UBER DISCOUNT
Up to 25% off Uber trips and other drive-me-home
services, any time of the day.
DISCOVERY INSURE
CLASSIC PLAN | 2022
06
06
DISCOVERY INSURE


Safety features
FIND MY VEHICLES
Find your vehicles in real time.VEHICLE PANIC BUTTON
Get immediate emergency
assistance through your phone.WEATHER WARNINGS
Get warnings of imminent
bad weather.*
* Weather information is
provided by South African
Weather Services.IMPACT ALERT
Get immediate emergency
assistance if we detect a
severe impact to your car,
even if we can’t get hold
of you.
When you install a Vitality Drive Sensor in your insured vehicle,
you will benefit from a range of state-of-the-art safety features.
YOU ALSO GET ADDITIONAL SAFETY FEATURES WITH THE CROWD SEARCH SENSOR:
  Enhanced stolen-vehicle recovery
  In the event of theft of your vehicle, contact our call centre to initiate the
recovery services. The device in your vehicle will connect to our wireless
network to alert Discovery Insure of the vehicle’s location, facilitating
its recovery.  Motion Alert
  Identifies when the primary driver’s phone is not in the vehicle at the
time the vehicle is moving, alerting you to possible theft.
DISCOVERY INSURE
CLASSIC PLAN | 2022
07


How to get started on Vitality DriveHow to get started on Vitality Drive
Follow these simple steps to start earning up to 50% of your fuel spend back:
INSTALL YOUR
VITALITY DRIVE SENSOR
Install your Vitality Drive Sensor at your nearest Tiger
Wheel & Tyre or Discovery Drive Centre and download
the Discovery Insure app to start measuring your
driving behaviour.
LINK YOUR
VITALITY DRIVE CARD
Link your Vitality Drive and Gautrain Swift cards on the
Discovery app or www.discovery.co.za.
SWIPE YOUR
VITALITY DRIVE CARD
Swipe your Vitality Drive card when you fill up at a
participating bp or Shell service station. You will also
earn cash back on your Gautrain spend.
DISCOVERY INSURE
CLASSIC PLAN | 2022
08


How to earn  and maximise your fuel cash back
MAXIMISE YOUR VITALITY DRIVE POINTS AND GET TO THE HIGHEST VITALITY DRIVE
STATUS PERCENTAGE
You can earn up to 3,000 Vitality Drive points every month and earn a Vitality Drive status based on those points. As
you earn more Vitality Drive points, you will progress through the statuses and qualify for a higher fuel cash back.
Plus, you can double your monthly Vitality Drive status percentage by adding at least R300,000 of home insurance
(household contents, buildings or both) to your plan.YOUR MONTHLY FUEL CASH
BACK IS CALCULATED AS
FOLLOWS:
FUEL CASH BACKVitality Drive status %
Vitality Drive pointsThe lower of
Fuel spend
Vitality Drive status Vitality Drive pointsVitality Drive status %
Car insurance only Car and home insurance
Blue 0 to 799 2.5% 5%
Bronze 800 to 1,599 5% 10%
Silver 1,600 to 2,199 10% 20%
Gold 2,200 to 2,499 17.5% 35%
Diamond 2,500 to 3,000 25% 50%
DISCOVERY INSURE
CLASSIC PLAN | 2022
09


Driving Profile Up to 1,800 Vitality Drive points
Distance points Up to  300 Vitality Drive points
Night-time driving points Up to  300 Vitality Drive points
Claim-free years Up to  300 Vitality Drive points
Annual MultiPoint check Up to 300 Vitality Drive points
How to earn up to 3,000
Vitality Drive points every month
Accelerating smoothly
Braking smoothly
Cornering smoothly
Driving within the speed limit
Not using your cellphone while
driving.MAXIMISING YOUR DRIVING PROFILE BY DRIVING WELL EVERY DAY
Your daily Drive points will bank towards your monthly Driving Profile,
up to 1,800 points a month60 Drive points are allocated to you
at the start of each dayMaintain your daily Drive points
balance by driving well everyday by:
Driving behaviour
over 30 days
Vitality Drive points1,800UP TO
60 Drive points
allocated per day
You can earn Vitality Drive points for driving well, improving your driver behaviour and by making sure your vehicles are safe to drive.
DISCOVERY INSURE
CLASSIC PLAN | 2022
10


RCK_90765IN_20/09/2022_V12This brochure is
a summary
of the benefits offered by Discovery
for car and home insurance. Speak to
your financial adviser about the full
range of Discovery Insure products
or visit
Discovery Insure Ltd is a licenced non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations
can be found on our website, www.discovery.co.za or you can call 0860 751 751.DISCOVERY INSURE
DISCOVERY INSURE


PURPLE
PLAN
Comprehensive car and home insurance with unique
driving rewards and safety features for the discerning few.
PURPLE PLAN | 2022


Purple Plan
  Get up to 50%
of your  fuel spend back every month for driving well.
         Impact Alert
gets you immediate emergency assistance if we detect a severe impact to your car,
even if we can’t get hold of you.
  No excess
for theft- and weather-related claims, or if an accident is caused by an insured
third party.
   Get up to 25% off Uber trips
any time of the day.
   Upgrade
to the latest Apple or Samsung phone every year.
   A dedicated Executive consultant
to help you with anything you need.Taking car and home insurance to the next level
The Purple Plan is suitable for you if you have over R5 million in insured assets. It offers
comprehensive vehicle and home insurance with enhanced benefit limits, exclusive
experiences and a dedicated Discovery Insure Executive consultant. The Vitality Drive
programme rewards you for driving well and provides state-of-the-art safety features.
Our unique service features speed up the claims process, keep you informed
throughout and enable you to actively manage your plan.
DISCOVERY INSURE
PURPLE PLAN | 2022
01


GET OPTIONAL VEHICLE WARRANTY COVER
Comprehensive, market-leading mechanical breakdown and electrical
failure cover for 36 critical vehicle components, including:
  Peace of mind ensured by unlimited vehicle part cover and a flat excess
  Embedded wear-and-tear cover for insured components
  One simple product with a personalised premium to reflect your own
risk
  Unique Vitality Drive car servicing discounts to reward you for driving
well
Vehicle cover
NO EXCESS
In the event of:
 Theft-related claims
 Weather-related claims
  An accident being caused
by an insured third party.
EXCESS FLEXIBILITY
Choose your own excess to meet
your needs.
WRITE-OFF ACCELERATOR*
Choose to write your car off
at a lower damage level.
RETAIL VALUE BOOSTER*
Choose to get an additional 15%
or 25% when your car is stolen or
written off.CAR HIRE OR UBER
Up to 30 days’ car hire with
an automatic sedan, or choose to
use Uber services instead, while
your vehicle is being repaired.
EMERGENCY ROADSIDE
ASSISTANCE
Including Direction Assist and
Trip Monitor.
MULTI-VEHICLE BENEFIT
Reduce your premium if you own
several cars, but only one is driven at
a time.
NEW VEHICLE REPLACEMENT
Receive a new car if your written-off or
stolen car is less than 24-months old.* Optional benefit
PURPLE PLAN | 2022
DISCOVERY INSURE
02


Home cover
* Optional benefitNO EXCESS
In the event of:
 Theft (forced entry) claims
 Weather-related claims.
EXCESS FLEXIBILITY
Choose your own excess to meet your needs.
ALL-RISKS COVER
Including comprehensive accidental damage cover.
HOME ASSIST
Emergency plumbing, electrical and locksmith services.
HOME PROTECTOR
Emergency security and alternative accommodation.
NO-AVERAGE GUARANTEE
Complete an inventory assessment and know that your home contents are
assessed and insured correctly.
EMBEDDED WORLDWIDE COVER
Up to 20% of household contents sum insured or choose flexible portable
possessions cover, with limited need to specify items.
ONLINE VAULT
Store important documents, proof of ownership and valuation certificates online.
ESTIMATED MAXIMUM LOSS
Manage your portable possessions cover and premium.
MY JEWELLER*
Choose to repair or replace your specified jewellery at your preferred provider.
PURPLE PLAN | 2022DISCOVERY INSURE
03


Unique service features
PERSONALISED SERVICE
A dedicated Executive consultant to
help you with all your insurance needs.CLAIMS VIEW
View the progress of your claims
online with real-time updates.
AUTO CLAIMS
Submit your geyser, vehicle glass,
cellphone, and electronic equipment
claims to our automated claims agent
online or on your smartphone to have
your claims approved within minutes.
INSTANT COVER
Add new vehicles and portable
possessions to your plan instantly
and easily on your smartphone.XPRESS REPAIRS
Submit your car’s minor damage claim
on our website or your smartphone
and we’ll repair it within five working
days of starting the repair. If not,
the next month’s premium for the
damaged car will be reimbursed.CELLPHONE UPGRADE
Upgrade to the latest Apple or
Samsung phone every year.FAST TRACK CLAIMS
We replace your specified lost or
stolen electronics within 48 hours.
LEGAL SUPPORT
BENEFIT
Get affordable online or telephonic
access to an array of top-quality
legal support services.
PURPLE PLAN | 2022DISCOVERY INSURE
04


Rewards for driving well
Vitality Drive is Discovery Insure’s unique driver behaviour programme that rewards you for driving well
INSURE FUNDER ACCOUNT (IFA)
Double the value of your fuel cash back by paying it
into your Insure Funder Account.
Use your Insure Funder Account to:
  Build up funds to cover your vehicle excess in the
event of a claim
 Fund any car or car hire claim excess
  Fund up to 100% of your tyre spend
at Tiger Wheel & Tyre.Get up to 50%, with a maximum of R1,500,
of your bp and Shell fuel spend and Gautrain
spend back every month for driving well.
FUEL CASH BACK
PURPLE PLAN | 2022DISCOVERY INSURE
05


OTHER REWARDS AND BENEFITS Rewards  for driving well
When you achieve your drive goal, you will earn a play
on the Vitality Active Rewards gameboard, where you
will be able to flip a tile to reveal Discovery Miles. You
can spend your Discovery Miles on coffees, smoothies,
meals and entertainment or save them for higher value
rewards like shopping, travel and holiday vouchers. VITALITY ACTIVE REWARDS

Get rewarded for meeting your weekly Vitality Active Rewards drive goals.
Drive well to reach your personalised, weekly drive goal
and close your drive ring.
GUARANTEED 0% RENEWAL INCREASE
If you earn Diamond Vitality Drive status a set number of times in a
year and are claim-free, you qualify for a 0% renewal increase on
your comprehensive car insurance premium
DISCOUNTED CHILD CAR SEATS
Up to 50% discount on a wide range of child car seats from
Toys R Us and Born Fabulous every year
TIGER WHEEL & TYRE DISCOUNTS
Up to 20% off tyre purchases at Tiger Wheel & Tyre
DISCOUNTED CAR MAINTENANCE
Up to 20% discount on your car service and maintenance
costs at Bosch
UBER DISCOUNT
Up to 25% off Uber trips and other drive-me-home
services, any time of the day
PURPLE PLAN | 2022DISCOVERY INSURE
06


Safety features
IMPACT ALERT
Get immediate emergency
assistance if we detect a severe
impact to your car, even if we
can’t get hold of you.VEHICLE PANIC BUTTON
Get immediate emergency
assistance through your phone.FIND MY VEHICLES
Find your vehicles in real time.WEATHER WARNINGS
Get warnings of imminent
bad weather.*
* Weather information is
provided by South African
Weather Services.When you install a Vitality Drive Sensor in your insured
vehicle, you will benefit from a range of state-of-the-art
safety features.
PLUS ADDITIONAL SAFETY FEATURES WITH THE CROWD SEARCH SENSOR:
  Enhanced stolen-vehicle recovery
  In the event of theft of your vehicle, contact our call centre to initiate the
recovery services. The device in your vehicle will connect to our wireless
network to alert Discovery Insure of the vehicle’s location, facilitating its
recovery.  Motion Alert
  Identifies when the primary driver’s phone is not in the vehicle at the
time the vehicle is moving, alerting you to possible theft.
PURPLE PLAN | 2022DISCOVERY INSURE
07


How to get started on Vitality DriveHow to get started on Vitality Drive
Follow these simple steps to start earning up to 50% of your fuel spend back:
INSTALL YOUR
VITALITY DRIVE SENSOR
Install your Vitality Drive Sensor at your nearest Tiger
Wheel & Tyre or Discovery Drive Centre and download
the Discovery Insure app to start measuring your
driving behaviour.
LINK YOUR
VITALITY DRIVE CARD
Link your Vitality Drive and Gautrain Swift cards on the
Discovery app or www.discovery.co.za
SWIPE YOUR
VITALITY DRIVE CARD
Swipe your Vitality Drive card when you fill up at a
participating bp or Shell service station. You will also
earn cash back on your Gautrain spend.
PURPLE PLAN | 2022DISCOVERY INSURE
08


How to earn  and maximise your fuel cash back
MAXIMISE YOUR VITALITY DRIVE POINTS AND GET TO THE HIGHEST VITALITY DRIVE
STATUS PERCENTAGE
You can earn up to 3,000 Vitality Drive points every month and earn a Vitality Drive status based on those points.
As you earn more Vitality Drive points, you will progress through the statuses and qualify for a higher fuel cash back.
Plus, you can double your monthly Vitality Drive status percentage by adding at least R300,000 of home insurance
(household contents, buildings or both) to your plan.YOUR MONTHLY FUEL CASH
BACK IS CALCULATED AS
FOLLOWS:
Vitality Drive status %
Vitality Drive pointsThe lower of
Fuel spend
Vitality Drive status Vitality Drive pointsVitality Drive status %
Car insurance only Car and home insurance
Blue 0 to 799 2.5% 5%
Bronze 800 to 1,599 5% 10%
Silver 1,600 to 2,199 10% 20%
Gold 2,200 to 2,499 17.5% 35%
Diamond 2,500 to 3,000 25% 50%
FUEL CASH BACK
PURPLE PLAN | 2022DISCOVERY INSURE
09


Accelerating smoothly
Braking smoothly
Cornering smoothly
Driving within the speed limit
Not using your cellphone while
drivingYour daily Drive points will bank towards your monthly Driving Profile,
up to 1,800 points a month60 Drive points are allocated
to you at the start of each dayMaintain your daily Drive points
balance by driving well everyday byHow to earn up to 3,000
Vitality Drive points every month
You can earn Vitality Drive points for driving well, improving your driver behaviour and by making sure your vehicles are safe to drive.
MAXIMISING YOUR DRIVING PROFILE BY DRIVING WELL EVERY DAY
Driving behaviour
over 30 daysVitality Drive
points1,800UP TO
60 Drive points
allocated per day
Driving Profile Up to 1,800 Vitality Drive points
Distance points Up to  300 Vitality Drive points
Night-time driving points Up to  300 Vitality Drive points
Claim-free years Up to  300 Vitality Drive points
Annual MultiPoint check Up to 300 Vitality Drive points
PURPLE PLAN | 2022DISCOVERY INSURE
10


RCK_90766N_19/09/2022_V10This brochure is
a summary
of the benefits offered by Discovery for
car and home insurance. Speak to your
financial adviser about the full range
of Discovery Insure products or visit
Discovery Insure Ltd is a licenced non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations
can be found on our website, www.discovery.co.za or you can call 0860 751 751.
DISCOVERY INSURE


HOW DOES IT WORK
If you’re a Discovery Insure client,
younger than 26, with comprehensive
car insurance who has activated Vitality
Drive you can enjoy the Young Adult
benefit. It’s available on the Classic,
Essential and Purple Plans.
The Young Adult benefit provides you
with a combination of benefits and tools
that will help you become a good driver.
We’ll measure your driving using a
telematics device, to develop a scientific
measure of how well you drive.
We’ll provide you and your Planholder
(if it’s not you) with regular feedback on
your driving behaviour. This will help you
see which areas of your driving you need
to improve. Using the feedback and
services we provide you with, you will be
able to improve your driving, increase
your rewards and have proof that you
are, in fact, a responsible driver!Discovery Insure is committed to creating a nation of great drivers,
and that includes our young adults. If you are younger than 26, our
Young Adult benefit rewards you by giving you a percentage of your
premiums back for being a good driver, in addition to your monthly
fuel cash back. Your rewards will be paid into a Rewards Fund,
payable to you in cash every six months.
HOW TO EARN GREAT REWARDS
Being a good driver means you can earn great rewards. As a Vitality Drive member,
you can receive up to 50% of your BP and Shell fuel and Gautrain spend back each
month, and other rewards. You also get a Rewards Fund into which we allocate 25%
of your car premiums every six months. This fund is added to or reduced based on
how well you drive.


how well you drive.
Once you have activated your Young Adult benefit, we’ll deposit 25% of your car
insurance premiums into your Rewards Fund upfront every six-months (the initial
premium at the start of each six-month period 25% x6). After six months, the
balance of your Rewards Fund will be deposited into your chosen bank account.
If you drive well, you can boost your Rewards Fund as follows:
Vitality Drive status Classic and Purple Plans Essential Plan
Blue -R200 -R100
Bronze R0 R0
Silver R50 R25
Gold
R200 R100
Diamond
GET REWARDED FOR GOOD DRIVING
with Discovery Insure’s Young Adult benefit


How to maximise your rewards
Every Discovery Insure driver can earn up to 1 600 Vitality
Drive Points per month. This allows you to earn up to R800
in fuel cash back each month. Essential Plan clients can earn
up to R400 in fuel cash back every month. The five Vitality
Drive statuses are Blue (up to 299 Vitality Drive Points),
Bronze (300 to 599 Vitality Drive Points), Silver (600 to 999
Vitality Drive Points), Gold (1000 to 1600 Vitality Drive Points)
and Diamond (over 1600 Vitality Drive Points). The higher
your Vitality Drive status, the greater your rewards.
You’ll earn a monthly driver performance score based
on your  braking, acceleration and cornering, speeding,
late-night driving and distance travelled.
To earn these Vitality Drive Points, you need to install a
Vitality Drive Sensor, our telematics device. Simply visit your
nearest Tiger Wheel & Tyre branch or Discovery Drive Centre
to install your sensor as soon as your Plan is activated.
Until we have enough information from our DQ-Track
technology on your driving behaviour, we will give you 400
Vitality Drive Points a month for your driver performance score.You need to take your vehicle to Tiger Wheel & Tyre or your
nearest Discovery Drive Centre for an Annual MultiPoint
check to make sure it’s safer to drive. Your vehicle’s service
history will also be checked to see if it’s up to date. You’ll earn
100 Vitality Drive Points for passing the check and an extra 50
Vitality Drive Points for having an up-to-date service history.
You can earn additional Vitality Drive Points by choosing


You can earn additional Vitality Drive Points by choosing
a personal driving goal to improve on every quarter and
staying claim free for at least a year with Discovery Insure.
You can also earn Vitality Drive Points by taking steps
to improve your driving knowledge and awareness by
completing an accredited driving course with one of
our partners. You can also complete our online driver
assessment and regular visual training through EyeGym.
The more Vitality Drive Points you earn, the higher your
Vitality Drive status.
KNOWLEDGE AND
AWARENESS
Up to 350 pointsOnline driver assessment
Driving courses
EyeGym50 points
150 points
Up to 150 points
100 points
50 pointsPassing the Annual MultiPoint check
Service history is up to dateVEHICLE
SAFETY
Up to 150 pointsDriving Profile
Distance points
Night-time driving points
Claim-free yearsUp to 750 points
Up to 100 points
Up to 150 points
Up to 100 pointsDRIVING
BEHAVIOUR
Up to 1  100 points
How to earn Vitality Drive Points


How to protect your Rewards Fund
You may have a premium adjustment at the end of every six months based on your
kilometres of night-time driving over the previous six-month period. The likelihood
of having an accident at night is 10 times higher than when driving during the day
so keep yourself safe and protect your Rewards Fund by making use of our DriveMe
benefit. When you use our DriveMe benefit, we will not deduct the R10 per kilometre
for those trips from your Rewards Fund for driving late at night.
Monthly average night-time kilometres Premium increase
0 to 50 km 0%
51 to 100 km 10%
101 to 150 km 15%
151 to 200 km 20%
201 and more km 25%Please note:
If you have a negative
Rewards Fund balance
at the end of a six-month
period, the value of your
Rewards Fund will be set
to zero and you will start
the next six month cycle
with a zero balance.
DRIVE ME FOR YOUNG ADULT DRIVERS
With Discovery Insure, you have access to discounted, safe travel options at any time of the day with our Drive Me partners
– Uber and Road Trip, available in Johannesburg, Pretoria, Cape Town and Durban. Our partner, Scooter Angels, is available in
Bloemfontein, Cape Town, Durban, East London, George, Johannesburg, Nelspruit, Pietermaritzburg, Port Elizabeth and Pretoria.
Using Uber
Uber is a smartphone application that connects you to a private
driver at the touch of a button. Purple and Classic Plan clients
get 25% off trips, limited to 15 trips a month and a maximum


get 25% off trips, limited to 15 trips a month and a maximum
discount of R50 a trip, giving you a maximum discount of R750
a month. Essential Plan clients receive 10% off trips, limited to
15 trips a month and a maximum discount of R30 a trip, giving
you a maximum discount of R450 a month. This applies to a
maximum spend of R1 000 a month (before the discount is
applied). Newly-registered Uber users (Purple and Classic Plan
clients) receive their first trip free, up to a R250 limit.
It’s really easy to use Uber. You need to download the app
on your iPhone, Android or Windows Phone. If you don’t
have one of these devices, you can access Uber on their
mobi site, m.uber.com. For details of how to activate the
benefit, click here.
The Uber app has several useful features. It can find your
location via GPS, show you approximately how far away the
closest driver is and you can select your desired car option.
With Uber, all pickups are made on demand and drivers
arrive within minutes, so there’s no need to schedule a ride
in advance. You’re also able to rate your driver. You can use
Uber 24 hours a day, 365 days a year. Just open the app when
you’re ready to ride and it will connect you to a driver nearby.Using Road Trip
Road Trip is your designated driver when you have had a
late night, fatigued and need to get home safely. They offer
a 24 hour chauffeur service. Two drivers will be sent to your
location to pick you up at the agreed time and will drive you


location to pick you up at the agreed time and will drive you
home in the comfort of your own vehicle. In addition you
will also receive up to 25% off the cost of your trips up to
a maximum total discount of R250 per month.
If you use the Drive Me benefit, you will not have any money
deducted from your Rewards Fund for kilometres travelled in
your car by the Drive Me service providers.


These premium adjustments are in addition to your annual premium review at your
Plan anniversary and will apply for a period of six months only. We may adjust your premium if you consistently drive late at night
You may have a premium
adjustment at the end of every
six months, based on your
kilometres of night-time driving
over the previous six-month period:Monthly average night-time kilometres Premium increase
0 – 50 0%
51 – 100 10%
101 – 150 15%
151 – 200 20%
201+ 25%Using Scooter Angels
Scooter Angels is your designated driver when you have had a late night, fatigued and need to get home safely. Two drivers will
be sent to your location to pick you up at the agreed time and will drive you home in the comfort of your own vehicle. In addition
you will also receive 25% off the cost of your trips up to a maximum total discount of R250 per month.
Other things you need to know:
      You need to have an active Vitality Drive membership.
      For assistance, call Scooter Angels on 087 233 8787 or visit www.scooterangels.co.za
      Discovery Insure is not responsible for any loss, damage or harm that may arise as a result of the use of any aspect of the
Scooter Angels service and its contracted drivers.
WHAT ELSE YOU NEED TO KNOW ABOUT THE YOUNG ADULT BENEFIT
You can opt into or out of the Young Adult benefit at any
stage, on a monthly basis, by contacting us on 0860 751 751
or emailing insureinfo@discovery.co.za.
When opting out or leaving Discovery Insure, the balance of


When opting out or leaving Discovery Insure, the balance of
your Rewards Fund, that you have not yet used, will be lost. You will no longer qualify for the Young Adult benefit when
you turn 26.
If you would like to join the Young Adult benefit, please
speak to your financial adviser or call the Discovery Insure
call centre on 0860 751 751.
RCK_80658IN_21/05/2021_V1Discovery Insure Ltd is a licenced insurer and an authorised financial services provider. Registration number 2009/011882/06. Limits, maximum fuel, Uber and
Gautrain spend limits, terms and conditions apply. Full product details including limitations can be found on our website, www.discovery.co.za or you can call
0860 751 751. Your information is shared with us by our contracted third parties for the purposes of providing you with the benefits and rewards you are
entitled to. Neither Discovery Insure nor any entity in the Discovery Group of Companies is responsible for the information processed or any loss of your data.