All talk Insurance gimmicks

When I first signed up with Discovery Insure, it sounded amazing. Unfortunately, what you are told and what you receive are world’s apart.

Firstly, if insured with Discovery Insure, you need to fill up at BP or Shell to qualify for cash back. I reside less than one kilometre from a BP filling station. However, the service at that station is so bad, that I am forced to fill up at Engen. Over the past month I have, in total, lost out on about R700 worth of points because on 2/11, the garage was out of petrol. Then from 19-21/11 the garage’s system was “offline”. This is in addition to the usual poor service from the BP in question. Why must I drive 9km to the next closest BP to fill up? It is truly time that Discovery partnered up with a decent petrol company.

Secondly, the DQ tracker deducts points for using the GPS feature on a phone. That means you will lose 9 points on a journey for cell phone usage, even if you do not touch your phone from the moment you start driving.

Thirdly, I have 2 cars on my insurance policy, one that belongs to my mom. When I was “sold” the insurance product, I was told that I would get a percentage of my insurance premiums back if my mom did under a certain number of kms a month. My mom averages 200km per month, but this never happens. In fact, her app constantly tells her she is the same number of DQ points away from gold status EVERY month.

When I complained to Discovery, I was told to send them my slips. I do not keep slips, especially not ones from Engen. Nor do I ask for my Mom’s slips. Does Discovery think our cars have been running on fresh air for the month??? They claim to know how many kms you do in a month. Why do they need the slips when they can track your fuel expenses and your mileage? The response to my complaint is that if I don’t agree with the DQ tracker, I can phone them. Why must I phone them when I am emailing them?

I think Discovery insurance product is false advertising and I hope this review will caution prospective customers as such.