Discovery insure (drive)

[Cius]

Still with them. Used to get between R800 and R1200 back each month over my and the wifes car. but that took a nosedive the last 2/3 months as the sensor's suddenly stopped connecting to our phones so most of my and the wife's trips are now uncovered? Got a new sensor at tiger wheel eventually for my car which mostly fixed it for me but the wife is still struggling. Need to find the time to go sort that out as it does cost us money now.

My other big complaint is for Samsung phones using the GPS does not count as using your phone. Somehow for Honor devices having the GPS on makes the app think I am playing smartphone games while driving or something as it deducts hundreds of points for a single trip. Makes it dangerous as when going somewhere new I try do it without a GPS which can be more dangerous if you get lost, or have to make u turns. Very frustrating. Current best solution is to turn off bluetooth when I have to use the GPS and just take an uncovered trip penalty. Sometimes they don't deduct points for those and sometimes they do.

The cash back can be amazing and I have a colleague on diamond status. She puts the cash back into their little savings account which doubles it again and then uses that to get free new tyres, services etc. Personally I prefer the cash even if its half the value. Due to the cash back for over a year our insurance cost was easily R1000 to R1500 lower than my previous insurance for a long period but it can get fiddly at times if you run into technical issues like we have. And yes we are both boring drivers. Only harsh brake in emergencies, almost never speed, and take corners slowly. If you drive aggressively its not for you.

 

[Forum Reader]

I'm with them for about 6 years. Also thought they would be expense but my premium dropped from R1400 to R800 when I switched to them from Auto and General. Should have done it sooner. In 6 years my premium did not change because I'm always on Diamond status. There's no annual premium increase if you keep an average of Diamond over the previous 12 months.

I replaced my tires a couple months ago (about R5k*4=R20k). Used my IFA balance (fuel rewards) to pay for almost all of it.

 

[L-Dog]

So got a quote from Discoveyr today and it basically matches my King Price amount and in theory I shoudl be able to get R 500-R750 back with teh fuel rewards. Anyone currently on discovery and how is the fuel back ? How does the car tracker / app work heard if you pick up your phone you loose points etc.

 

[Forum Reader]

So got a quote from Discoveyr today and it basically matches my King Price amount and in theory I shoudl be able to get R 500-R750 back with teh fuel rewards. Anyone currently on discovery and how is the fuel back ? How does the car tracker / app work heard if you pick up your phone you loose points etc.

There is now 3 options for the cashback:

- you can take it in cash.
- you can get it paid to you in Discovery miles if you have a Discovery Bank account
- you can let Discovery hold it as a reserve for you which doubles the reward. You can use the reserve to pay for things like tires or your excess. You can even ask for a larger excess and get a lower monthly premium if you have enough reserved. This is the best value since if you change insurers you get your reserve back in cash (at 1x regular value though like the prior two options).


Apparently you can move/use your phone if your vehicle is not moving, like if stopped at a traffic light for 20 seconds. Though I haven't tested. Yeah you lose a few points if your phone is moving while driving.

Theoretically, you could pay a R1000 motor premium, get R1000 back if you spend R2000 on fuel (max cashback is 50%). Then it gets doubled if you ask them to hold it (IFA). So you have R2000 to spend on tires after paying a R1000 premium.