Look past the rewards and compare the actual cost.

Discovery increased my premium by 23% this year - for a 10-year-old vehicle, with only three windscreen claims in eight years.

OUTsurance quoted approximately R631 versus Discovery's R2,713 - Discovery's premium is over four times as much.

Even after budgeting for separate tracking and deducting the Discovery rewards I'd lose, I'd save around R1,842 monthly. Over R22k per year.

Don't let the rewards distract you from what you're paying. Check the cover and excesses, and shop around.