Discovery Insure and Iphone - Warning, read this before you enroll!!!!

I bought an iphone using the vitality scheme. Ypu basically have to spend money wisely, exercise regularly and drive well using discovery insure. I have control over both the exercise and money but this vitality drive is terrible. Here are my problems please make sure you understand the following before you sign up for this:

1.) If you are a passenger in your own vehicle, in my instance my wife sometimes drive I get penalised for bad driving even if I mark myself on the app as passenger.

2.) If someone borrows my car I get uncovered trips because my phone is not in the car and lose all my points.

3.) The system randomly logs uncovered trips and deducts 3 points even if my phone is with me. Random. Out of my control. Gatvol.

4.) if I use my cellphone even if I pull over I get penalised for phone use. I use my phone for navigation as many other people do but now I cannot do this any longer.

5.) The kids takr my phone during a trip to play music or my wif answers my calls for me. Again. Points deducted for phone usage.

With the iphone benefit if you miss your goal you pay for it. Discovery you ar missing the point with Vitality Drive!!!! If i speed or harsh brake or drive bad sure then deduct points but the rest is impractical and unfair. I have complained and sent emails but no one can assist.

Please think twice before signing up for this benefit as this is a scheme to make you pay for your own phone in the end….and it will end up costing you way more because they charge you interest on the loan which is another storey all together!!