discovery insure I'm disgusted

Extremely disappointed with Discovery Insure – refused valid portable possessions claim & shocking service Review: I have been a Discovery Insure client for years, but my recent experience has been nothing short of appalling. In 2024 I amended my all-risk/portable possessions cover. I originally had a gold chain specified. I exchanged the chain at a jeweler for a gold bracelet of the exact same value. The jeweler completed all the required forms, valued and photographed the new bracelet, and submitted everything to Discovery Insure for approval. Discovery signed off and approved the change – I still have the correspondence. A few months later the bracelet was ******. I lodged a legitimate claim with all supporting documents, police case number, proof of ownership, the original approval from Discovery, everything. Discovery rejected the claim, saying the item on the policy is still listed as a “chain” and not a “bracelet”. Despite the fact that THEY approved the substitution months earlier! They are now refusing to pay out and have pushed me into a formal dispute. To make matters worse:

The call Centre (***) is unreachable. This morning alone I was cut off 4 times after being on hold for over 20 minutes each time. No one answers, no call-back, nothing. In November 2025 my premium was R2 640.95. In December 2025 – with NO claims paid, NO changes to my policy, and my car only depreciating – they increased it to a shocking R4 372.92. That’s a R1 732 increase in one month for absolutely no reason.

This is not the service I expect from a company that markets itself as premium. Refusing to honor a claim they themselves approved, impossible to contact, and unjustified premium hikes – I am beyond disappointed. Discovery Insure, please explain and urgently resolve this. I look forward to a proper response. Disgusted long-term client