Claiming
Discovery Insure offers you a number of convenient, hassle-free ways to claim. Learn more about how to claim.
If you have an emergency claim, call Discovery 911 on 0860 999 911. Otherwise, submit your claim online or through the Discovery app. With Auto Claims, you can have claims for geysers, vehicle glass, cellphones and electronic equipment approved instantly in 3 easy steps:
Step 1. Submit a claim through the Discovery app or website
Step 2. Our claim algorithms determine whether the claim can be authorised instantly.
Step 3. The claim is auto-approved for replacement or a repair or the claim will be redirected to a claims agent who will contact you to finalise your claim.
Automatic approval is only applicable to geyser, vehicle glass, cellphone and electronic equipment (portable possession) claims. However, all claim types can be submitted online or through the app.
You can also call us on 0860 751 751 or visit our website for more information on how to claim
You can track your claim on our website or through the Discovery app.
You can stay informed about the progress of your motor, household contents, buildings, or portable possessions claims online with ClaimsView.
ClaimsView has several unique features, including, being able to see the status of your claim, access service provider contact details and with a motor claim, for example, view photographs of your vehicle as it goes through the repair process.
Read more about ClaimsView.
You need to read your Plan Guide carefully to know all the important events that will not be covered at claim stage.
You won't pay an excess if an insured third party causes an accident. Also, if you're on the Classic or Purple Plans, you won't pay an excess for any theft or weather-related claims.
For full details, download our Excess Annexure
Your excess is the amount you need to pay when you submit a claim. This is made up of your chosen basic excess and any other excess amounts that apply. You could have a voluntary excess, where you've chosen to increase your total excess and so reduce your monthly premium, or it could be a compulsory excess that applies in certain circumstances, e.g. if you've insured your vehicle for the incorrect class of use, you'll need to pay an additional, compulsory excess amount.
You can download more information about excesses. Read this along with your plan schedule to see what applies to you.
If you have a Discovery Card, you can use your Discovery Miles to fund your Discovery Insure excess.
If you have an approved Fast Track claim, we'll replace your specified electronic devices, such as cellphones, tablets or laptops, within 48 hours. If we don't meet these deadlines, we'll waive the basic excess for the claim.
FastTrack claims is available under the portable possessions section of cover. With FastTrack claims, your specified electronic devices such as cellphones, tablets or laptops will be replaced within 48 hours if the claim is an approved FastTrack claim. If we don't meet these deadlines, we will waive the basic excess for the claim.
You can log your FastTrack claims on our website or on the Discovery Insure app.
Learn more about the terms and conditions of this benefit.
You can submit minor damage claims for your car to Discovery Insure online or on the Discovery app. If your claim is approved, we'll repair your car within 5 working days of starting the repair. If we don't deliver on this promise, we'll reimburse you for your next month's premium for that car.
To qualify for Xpress Repairs:- The damage to your car must be non-structural.
- Damage must be to 2 or fewer parts and 3 or fewer panels of the vehicle.
- The damage must be accidental and collision-related.
- It should cost less than R15 000 to repair.
- The vehicle should not have been towed.
- You must have at least 3 months of cover, up-to-date premiums and a valid driver's licence.
If you need help in a vehicle or household emergency, contact Discovery 911 on 0860 999 911.
Our call centre is available 24 hours a day, 7 days a week. Some of the emergency services we offer:
- Emergency electricity, plumbing and locksmith services
- Emergency home security such as security guards
- Accommodation if you've been a victim of theft or home invasion
- Emergency roadside assistance such as towing or jumpstarting a vehicle
- Help if you need directions
- Someone to keep in regular contact with you when you're driving long distances, to make sure you safely arrive at your destination.
The information from your DQ-Track will be used to measure your driving behaviour and track the location of your vehicle in the event of a severe incident.
We will not use information from your DQ-Track when approving claims. The only time we will use the data from your DQ-Track in the claims process is to verify the time and location of an incident.
If you are involved in an accident and want to use data from the DQ-Track to prove your innocence and claim money from a third party, we will help you do so too. Discovery Insure, however, will not use such information without your permission.
