Anyone here using Discovery?
Yeah I got one of my cars with them
The Good:
After just 2 months with them I hit a pothole.
They covered everything and my plan I specifically ask for zero excess no questions asked. They assessed it. Referred me to a shop on their panel fetch my car when it was done.
The Bad.
Their rental addon does not cover the Avis Lost, Theft, Windscreen or Tyre waivers and only covers the absolute base rental fee. This will come back to haunt you in the event you do make use of the Avis rental.
The rewards are really nice but tracking your driving might make people feel unconfortable but you can save a lot if you do drive good.
Santam:
The Good:
They cover the rental waivers when you need to use the rental after a claim.
They pay out claims with minimal fuss
The Bad:
Pothole damage on my vehicle they did not want to pay. The Santam assessor made me take him to the pothole I hit and actually told me that I could have avoided it completely disregarding the fact that it was peak time and I did not see it. Wanted to reject the claim because I was on my way to work with a passenger to drop off at work too without a PDP even though I told him I don't get paid or make a profit they are family we just share petrol each week at which point he insisted that petrol share is me getting paid and it's against the law.
He also insisted to verify my story with the passenger to make sure I'm lying.
That was the bad experience with Santam but after a few complaints suddenly the claim was approved and this assessor requiring all these very specific details disappeared.
You will NEVER find the "perfect" insurer because then there will be only 1. You need to scrutinize each one. Compare quotes and look at the policy wording. Most policy wording is very vague and you find those exclusions only ever real it's ugly head when you claim not when you are paying.
I would suggest going for zero excess. You never know you might smash your car and suddenly sit with a R3500-R5000 excess just because you got a super low premium.
OLD mutual zero excess when you have home and car insurance with them.
Dotsure.co.za underwritten by oakhurst also has Zero excess.
Naked Insurance via the app is quite nice lowest excess is R1500 underwritten by Hollard.
Outsurance but ask for zero excess quote
Santam ask for zero excess quote
Momentum Insure ask for zero excess
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