Disappointed by Unreasonable Premium Increases

In 2023, I relocated to a new area which Discovery Insure classified as high risk. This resulted in a significant increase in my vehicle premiums over 40% per car.

However, I was disappointed to receive yet another significant increase in 2025, despite having made this adjustment the year before. When I queried the increase, Discovery advised that my premiums could not be reviewed due to my claim ratio overlooking the fact that my premiums were already inflated based on relocation (High risk area).

To reassess my options, I approached my previous insurer (with whom I had a policy for 11 years before switching to Discovery). I shared both my Discovery claim history and the updated policy schedule. Based on that, they offered me a significantly lower premium — saving me R1,315.98 per month, a 28% reduction — even before factoring in the estimated R1,200 petrol cashback I currently receive from Discovery’s Vitality Drive.

I truly value the driving habits I developed through the Vitality Drive programme. However, with the rising cost of living, I simply cannot justify Discovery’s steep increases especially when other reputable insurers offer better cover at a more sustainable price point, using the same risk and claims data.