You can expect appalling service from Discovery

Appalling service, rather stick to the guys who actually can provide proper insurance services. It seems like the medical aid and the home/car insurance is done by two different companies, worlds apart.

This is per their service terms to all customers on the Discovery Website: "Fast Track your approved, specified electronic portable possession claim and we'll replace the lost or ****** item within 48 hours. This service is available nationwide. We like to keep our promises so if we don't deliver your item in time, we will waive the excess on your claim. Call us on ***."

But when you have a claim, this is what you can expect from them:

Turnaround time, there isn't any. They don't call you back within the given timeframe, the client has to continuously call back days and days after each stage of the claim. Emailing gets you nowhere as well.

If policy changes are made, like the power surge clauses where they increase your excess, don't expect them to let you know about this. You find this out when the claim needs to be finalised. No matter even if your policy became active the same day that they enforce this policy change, they just change the values without letting you know.

...This is the policy rates Sir, nothing we can do about it. Sorry if your rates don't agree to your policy quote.

More than a month later the claim was finally at a stage where the claim would be settled. This information was confirmed by us yet again taking action and calling the repair and maintenance service provider, as Discovery again failed to let us know what the status is of the claim was. The online status tracking is useless as the status will just remain unchanged until the customer continuously takes action.

In the end, the takeaway is this: You get what you pay for, I moved my car and home insurance to Discovery away from Outsurance as their quotes were lower, but it seems that the quality of service deteriorates with the price. If you can afford Outsurance or who ever you deem fit, rather stick with them. In comparison, I have had previous claims with Outsurance, claims were actually processed and the outcome finalised quicker than the time it takes Discovery to just return a phone call.