Discovery insure

Received proof of payment SMS after quite a harsh email sent. FNB to FNB, but funds don't reflect yet.
 
maumau said:
Also signed up with them recently so this isn't encouraging.

On this subject, when are cars devalued? Is it a year after you sign up, or January of every year? If the former I'm just waiting to see if they automatically reduce the value of my car end Feb - if not, I'm cancelling.
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Many don't auto-devalue.

Call or send an email to request that.
 
Kosmik said:
Interesting... the origional sell with Discovery Insurance was that they would never use the DQ information against premiums or claims, only rewards. Thats obviously changed then.
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Hahaha,

Their noses are still growing.

I was at a slipway-yield waiting to go left and one of their clients decided to reshape the back of my car....

They were calling him before he could even exit his car "why the sudden stop?"

And that was nearly 5 years ago.

So yeah their systems are like eyes in the sky.

I will not join any insurance that insists that I need a tracker to monitor my driving.
 
Foxhound5366 said:
That said, the months I spent with Discovery and trying to make my driving smoother and more measured definitely made me a better driver.
.
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This, have been with them for almost a year now and I definitely have improved my driving number 1 and number 2 I get about 500 rand back a month aswell as a free smoothie everyweek. Due to me being under 26 I am on the young drivers beneifit so I get up to 25% of my last 6 months premiums back every six months.

What I dont like is how when a taxi or someone cuts in front of you and it picks up harsh braking. Either you need to drive 10km/h to avoid this or smash into whats in front of you.

But if I work my rewards right, my premium is almost covered.
 
MagicDude4Eva said:
Wife is on DI - she has been accident free for 10 years prior to it and they are now hiking her premiums because "she drives reckless" - turns out that leaving/entering her office park she needs to do a sharp u-turn and these incidents twice a day are recorded as "reckless" resulting now in an increase in premiums. DI is complete garbage. No idea why SO insisted on DI for herself - now she is begging to join Santam under home-owners-insurance (which will probably save her 40% on premiums).

I have been with Santam for a good 20 years and never had an issue with anything. They are certainly more expensive then some of the budget-insurances (such as crappy King Price or Outsurance) but they will pay out claims without making their customers feel like criminals.
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Unless you're benefiting from their fuel cash back why not disable that thing.
 
jamacouve said:
This, have been with them for almost a year now and I definitely have improved my driving number 1 and number 2 I get about 500 rand back a month aswell as a free smoothie everyweek. Due to me being under 26 I am on the young drivers beneifit so I get up to 25% of my last 6 months premiums back every six months.

What I dont like is how when a taxi or someone cuts in front of you and it picks up harsh braking. Either you need to drive 10km/h to avoid this or smash into whats in front of you.

But if I work my rewards right, my premium is almost covered.
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I feel like I am taking crazy pills, am I the only one that sees insurance for what it is? Insurance. I dont understand this trend with smoothies and points and getting an anal probe to track your driving??
 
Tman* said:
I feel like I am taking crazy pills, am I the only one that sees insurance for what it is? Insurance. I dont understand this trend with smoothies and points and getting an anal probe to track your driving??
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Getting an anal prob to get things for free is worth it to some people where (I'm assuming) you don't get anything in return from your insurer.
 
maumau said:
Unless you're benefiting from their fuel cash back why not disable that thing.
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All things considered, her current DI premium (on a 2015 Peugeot 307) is 1,7K (I was like: :crylaugh: and :wtf:) - that's what happens when married wiminz want to be financially independent. With Santam under the household insurance she will drop to just shy of 1K. Just madness on DI's part.

My Santam broker is fantastic - she reviews my cover every year around November, we adjust listed items / values and she then mails through updated policy documents. Claims processing is as simple as "Hi, I need to claim for XYZ" and either an assessor comes out within 1-2 days or if it is car-related I would just drive to one of their assessment centres. When power-surges blew up our TV a few days before Xmas, Santam said "We can only sent out an assessor in January due to holidays, but we are transferring 15K as a settlement so that your family has a TV over the holiday". I doubt that many other insurers would be like that - hence my loyalty to that company. That's how insurance should work.
 
Venomous said:
Many don't auto-devalue.

Call or send an email to request that.
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No problem with that. I prefer it actually.
As long as they pay out for the value it is insured and you are paying the premium based on that. I prefer it to be the new full value
 
Tman* said:
I feel like I am taking crazy pills, am I the only one that sees insurance for what it is? Insurance. I dont understand this trend with smoothies and points and getting an anal probe to track your driving??
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Yep. It is gimmicks.
They offer a very bad insurance product, but hide behind gimmicks
 
Just got a quote from them yesterday, they're 400 more expensive than the quote I got from Hollard.

In addition, with Discovery, I would have Netsrar to still pay as it's already in the car while Hollard accepts the Altech tracker.
 
MagicDude4Eva said:
All things considered, her current DI premium (on a 2015 Peugeot 307) is 1,7K (I was like: :crylaugh: and :wtf:) - that's what happens when married wiminz want to be financially independent. With Santam under the household insurance she will drop to just shy of 1K. Just madness on DI's part.

My Santam broker is fantastic - she reviews my cover every year around November, we adjust listed items / values and she then mails through updated policy documents. Claims processing is as simple as "Hi, I need to claim for XYZ" and either an assessor comes out within 1-2 days or if it is car-related I would just drive to one of their assessment centres. When power-surges blew up our TV a few days before Xmas, Santam said "We can only sent out an assessor in January due to holidays, but we are transferring 15K as a settlement so that your family has a TV over the holiday". I doubt that many other insurers would be like that - hence my loyalty to that company. That's how insurance should work.
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That is how insurance should be. Mine is even better.
Contact insurance broker. Fill out form, send it in, money is in my account the next morning. No assessor
 
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Drifter said:
Explain?
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If my car is stolen, I do not want to buy some second hand car.
I want to buy a new car with the same value as my old, and I do not want to put more money in. Unless I want to buy a better car.
And I don't mind paying the premium for that.

Of course this means that my premiums increase every year, as the replacement values need to be reassessed. When the rand plummeted against the euro, that was quite unpleasant. But on the upside, my premium will come down this year :)
 
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MagicDude4Eva said:
All things considered, her current DI premium (on a 2015 Peugeot 307) is 1,7K (I was like: :crylaugh: and :wtf:) - that's what happens when married wiminz want to be financially independent. With Santam under the household insurance she will drop to just shy of 1K. Just madness on DI's part.

My Santam broker is fantastic - she reviews my cover every year around November, we adjust listed items / values and she then mails through updated policy documents. Claims processing is as simple as "Hi, I need to claim for XYZ" and either an assessor comes out within 1-2 days or if it is car-related I would just drive to one of their assessment centres. When power-surges blew up our TV a few days before Xmas, Santam said "We can only sent out an assessor in January due to holidays, but we are transferring 15K as a settlement so that your family has a TV over the holiday". I doubt that many other insurers would be like that - hence my loyalty to that company. That's how insurance should work.
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Maybe I should get in touch with your broker when this whole debacle is done and dusted.
 
I still have round 2 of this claim looming ahead of me. This is just for the router and the surge protector. Still waiting for damage reports on PC and Laptop.
 
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