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Discovery Car Insurance: Plans, Vitality Drive and Cover Types

Discovery Insure is built around Vitality Drive, a programme that scores your driving through the Discovery Insure app and pays rewards such as cash back on fuel. Four plans (Core, Essential, Classic and Purple) set how rich the benefits and rewards are.

It suits drivers who are happy to have their driving measured and will engage with the programme. If you won't use the app, you're mostly paying for rewards you won't collect, so compare the base premium on its own too.

What stands out

• Four plan levels: Core, Essential, Classic and Purple.
• Vitality Drive rewards: Discovery advertises up to R750 back a month on fuel on Essential, and up to R1,500 a month on fuel and Gautrain on Classic and Purple.
• All three standard cover types: comprehensive, third party fire and theft, and third party only.
• Quotes can be done online in a few minutes.

What to check before you accept a quote

• The premium difference between plans versus the rewards you'd realistically earn.
• What driving data the app collects and how it affects your score.
• Whether any benefits depend on also having other Discovery products, such as a Discovery bank card or Vitality membership.
• The basic excess and any additional excesses, for example for young or newly licensed drivers. See what excess means in car insurance.
• Whether your car needs an approved tracker. Many insurers require one above a certain vehicle value. See insurance-approved trackers.

How to get a Discovery Insure car insurance quote

1. Decide which plan level you're comparing (Classic is the one Discovery promotes).
2. Get an online quote, then ask what the same cover costs on the plan below it.
3. Compare the base premium, not the rewards, against two or three other insurers.

Comparing is easier when every quote is for the same thing: the same cover type, the same car value (retail or market value) and similar excess. Our guide to comparing car insurance quotes has a checklist.