❹ Improving your driver safety...8. ❺ Earning rewards...9. ❻ When your DQ Points will reflect... 14

Transcription

1 VITALITYDRIVE TERMS AND CONDITIONS INDEX ❶ Vitalitydrive overview...2 ❷ Improving your driver behaviour...5 Driver performance score Personal goals Claim-free years ❸ Improving your driving knowledge and awareness... 6 Driving courses Online driver assessment EyeGym ❹ Improving your driver safety...8 Tiger Wheel & Tyre Annual MultiPoint check ❺ Earning rewards...9 More about your fuel rewards Excess Funder Account DriveMe The Young Adult benefit ❻ When your DQ Points will reflect... 14

2 1 Vitalitydrive OVERVIEW VITALITYDRIVE IS DISCOVERY INSURE S UNIQUE DRIVER BEHAVIOUR PROGRAMME THAT REWARDS YOU FOR DRIVING WELL You also benefit from a range of state-of-the-art vehicle and passenger safety features when you choose to install DQ-Track, our telematics device. As soon as you join Vitalitydrive, you qualify for immediate rewards. The rewards percentage you receive depends on the cover you have with us, and whether you have ensured your motor vehicle* is roadworthy by passing our Tiger Wheel & Tyre Annual MultiPoint check. Your next step is to drive well and earn DQ Points. You can earn additional DQ Points by improving your driving knowledge and awareness. The more DQ Points you earn, the higher your Vitalitydrive status, the more rewards you ll get. Vitalitydrive is available on the Classic, Executive and Essential Plans. ACTIVATE VITALITYDRIVE AND QUALIFY FOR IMMEDIATE REWARDS Vitalitydrive is available to all clients with comprehensive motor vehicle insurance for an extra premium of R60* per primary driver per month. To earn up to 50%** of your BP fuel and Gautrain spend back each month, you need to: Activate Vitalitydrive by selecting it at quote stage or calling us on Earn DQ Points and improve your Vitalitydrive status Maximise your rewards percentage by passing a Tiger Wheel & Tyre Annual MultiPoint check Link your Vitalitydrive card on and swipe your card when you fill up at BP And link your Gautrain Gold card on if you have one. Note: If you install the standalone DQ-Track, you ll receive your Vitalitydrive card on installation. If you install the smartphone-enabled DQ-Track and live in Johannesburg, Pretoria, Cape Town or Durban, you ll receive your Vitalitydrive card on installation. If you live outside these cities, you ll receive your Vitalitydrive card with your installation pack. Replacement Vitalitydrive cards will be available at your nearest Glasfit branch. * Essential Plan clients can select Vitalitydrive for an extra premium of R45 per primary driver per month. ** Essential Plan clients can get up to 25% of their fuel spend back every month. IMPROVE YOUR VITALITYDRIVE STATUS, DRIVE WELL AND EARN DQ POINTS You can earn up to DQ Points every month and with up to 50% back on your fuel spend, you can get up to R800 back in monthly fuel rewards. Each DQ Point earned allows you to get rewards on R1 of fuel spend at BP and your monthly Gautrain spend (the money loaded on your card for the month). You get a Vitalitydrive status at the end of the month based on your driving behaviour and DQ Points activities completed for the month. You can track your status and DQ Points online on *A motor vehicle is defined as a car or motorcycle 2

3 GET REWARDED FOR RIDING WELL WITH VITALITYDRIVE FOR MOTORCYCLES If you insure your motorcycle with Discovery Insure, you have the option to select Vitalitydrive and get rewarded for your motorcycle riding behaviour. Vitalitydrive for motorcycles works in exactly the same way as Vitalitydrive for cars. It is optional and reward percentages differ if the only vehicle on cover is a motorcycle. If your motorcycle is insured with other vehicles You can select Vitalitydrive for motorcycles if you have activated Vitalitydrive on your Discovery Insure Plan. Vitalitydrive for motorcycles is optional, even if Vitalitydrive is activated on the Discovery Insure Plan. You have the option to install the smartphone-enabled DQ-Track. However, if you do not select to install the device or if you do not have a compatible smartphone, you will get zero DQ Points for your Driver performance score for your motorcycle. Once you select Vitalitydrive for your motorcycle, the following will apply: You won t pay an additional Vitalitydrive premium Your motorcycle will be considered as another vehicle for Vitalitydrive purposes, which means: Your Driver performance score is determined by taking the average Driver performance score from all your vehicles, including your motorcycle. You only need to take one vehicle to Tiger Wheel & Tyre and pass the Annual MultiPoint check to boost your rewards percentage and earn DQ Points. This vehicle must be your car. You can earn DQ Points for the Discovery Insure driving courses by completing any of the available courses including the online course or a BMW Rider Academy course. All other DQ Points earning activities are the same. If your motorcycle is the only vehicle insured You can join Vitalitydrive for R45 per month if your only motor vehicle is a motorcycle and you have insured your household contents and/or buildings for at least R You have the option to install the smartphone-enabled DQ-Track. However, if you do not select to install the device or if you do not have a compatible smartphone, you will get zero DQ Points for your Driver performance score. Once you select Vitalitydrive for your motorcycle, the following will apply: You need to take your motorcycle to Tiger Wheel & Tyre and pass the Annual MultiPoint check to boost your rewards percentage and earn additional DQ Points. You can earn DQ Points for the Discovery Insure driving courses by completing either the online course or a BMW Rider Academy course. All other DQ Points earning activities are the same. 3

4 HERE IS A SUMMARY OF YOUR DQ POINTS EARNING ACTIVITIES: ENJOY YOUR REWARDS UP TO 50% OF YOUR BP AND GAUTRAIN SPEND BACK 1 QUALIFY FOR IMMEDIATE 4 ADVANCED VITALITYDRIVE STATUS IMPROVE YOUR ENGAGED Young Adult benefit rewards of 25% of car insurance premiums back every six months ADDITIONAL REWARDS Up to 10% Tiger Wheel & Tyre discounts NEUTRAL BASE Boost your fuel rewards up to 100% 100 Win your fuel back every time you fill up, for driving well on 5 Star Days. Up to 25% DriveMe partner discounts DQ-TRACK SAFETY FEATURES GeoZones Optional features available at an additional cost Stolen vehicle tracking and recovery with Unique driver profiles UP TO 150 DQ Points VEHICLE SAFETY Passing the Tiger Wheel & Tyre Annual MultiPoint check 100 Service history up to date 50 ImpactAlert Weather warnings UP TO 350 DQ Points KNOWLEDGE AND AWARENESS Online driver assessment 50 Discovery Insure Up to 150 Driving Courses EyeGym Primary course Up to 50 EyeGym Advanced course Up to 100 FUEL REWARDS PERCENTAGE Passed Tiger Wheel & Tyre Annual MultiPoint check UP TO 1100 DQ Points Car insurance Driver performance 850 score Acceleration 100 Braking 100 Cornering 100 Keeping to the speed 150 limit Night-time driving 150 Distance driven 150 Cellphone use 100 Personal goals 50 Claim-free years 0 to 200 DRIVE WELL AND EARN DQ POINTS Car and home insurance ü Up to 25% Up to 50% û Up to 10% Up to 20% FUEL REWARDS DRIVER BEHAVIOUR 2 Note: Vitalitydrive is available on the Classic, Executive and Essential Plans. Vitalitydrive on the Essential Plan and for motorcycles, where this is the only motor vehicle insured, differs to what is shown above. Please refer to the rest of this document for details. 4

5 2 Improving your DRIVER BEHAVIOUR DRIVER PERFORMANCE SCORE You can earn up to 850 DQ Points each month for driving well. When you join Vitalitydrive, you have the option of installing either the smartphone-enabled or standalone DQ-Track in your motor vehicle. DQ-Track features leading global telematics technology and records your driving behaviour including your braking, acceleration, cornering, speed, time and distance of trips. You will be given a monthly Driver performance score as a complete measure of how you drive. If you install the smartphone-enabled DQ-Track, we ll also score you on your cellphone use while driving. If you install the standalone DQ-Track, you will not be measured on your cellphone use while driving and you will only receive up to 750 DQ Points for your driving behaviour. Depending on your distance travelled and DQ-Track option, it can take up to six weeks to determine an accurate score. Until such time, you will get 400 DQ Points each month for your Driver performance score. Your Driver performance scores are updated each month with your latest driving behaviour, until your three month anniversary, thereafter your monthly Driver performance score is based on your latest three-month period of driving behaviour. Note: Your driving information will not be used in any way at claims stage other than to confirm the time and place of an incident but you may ask us to use the information to help prove that another party was at fault. Your monthly Driver performance score may be used as one of the factors in your Plan renewal every year. PERSONAL GOALS You can earn up to 50 DQ Points for choosing personal goals and reaching these goals on a monthly basis. Each quarter, we ll create a set of three goals for you for one or more of the following categories: speeding, acceleration, braking, cornering, night driving and your cellphone use, if you ve installed the smartphone-enabled DQ-Track. The goals will show the most important areas that you need to improve to become a better and safer driver. You will need to select one goal which will apply over the next three-month period. For example, you may log on to in January and see that you have three available goals in the areas of speeding, braking and night driving. You need to select one of these activities and reach the set goal to get personal goal points in the months of January, February and March. In April, you can choose a new goal for the next three-month period. You can choose your goal at any time during a quarter, but will only be able to get DQ Points for the current and future months of that quarter. For example, if you choose a goal in February you will only be able to get personal goal points in February and March. If you reach your goal, you ll get 50 DQ Points for that month and if you don t reach your goal, you ll get zero DQ Points for personal goals in that month. If you earn a maximum driver performance score of 850 DQ Points at the end of a quarter, you will have no areas for improvement and will automatically be given 50 DQ Points for the three months of the next quarter. CLAIM-FREE YEARS You can earn up to 200 DQ Points a month by remaining claim-free on Discovery Insure. You need to build up your claim-free experience with us to earn these points. If you are claim-free for your first year, you will get 25 DQ Points a month for the next 12 months or until you claim. By staying claim-free for two years, you ll get 75 DQ Points a month for the next 12 months or until you claim. If you stay claim-free for three or more years, you will get 200 DQ Points each month until you claim. Note: Vehicle glass claims do not count as a claim with regards to claim-free years. 5

6 3 Improving your knowledge AND AWARENESS DISCOVERY INSURE DRIVING COURSES You can earn up to 150 DQ Points per month for 24 months by completing our exciting driving courses: The Refresher course (for motorcycles) You can complete the Refresher course and earn a total of 150 DQ Points per month for 24 months. Progressive driving course You can complete a Progressive driving course and earn a total of 150 DQ Points per month for 24 months. The Progressive driving course includes a dynamic two hour skidpan session. You can attend a four-hour course at a cost of R785, inclusive of VAT, or a five-and-a-half hour course, including an on-road practical session, at a cost of R945, inclusive of VAT. These courses are available in Gauteng only. The Defensive driver training course You can complete the Defensive driver training course and earn a total of 150 DQ Points per month for 24 months. During this course, you ll learn about defensive driving principles including vehicle orientation, potential hazards and threats and vehicle positioning, road signs and legal actions, correct driving procedures and general on-road safety. Practical on-road driving is included with an instructor carefully watching every manoeuvre. You ll learn about anticipating emergency situations, and how to handle these situations safely. This half-day course costs R1 598, inclusive of VAT. You ll earn 150 DQ Points a month for 24 months for completing the course. It s available in Johannesburg, Pretoria, Cape Town and Durban. The Off-road introductory course You can complete the Off-road introductory course at a discounted rate, however, DQ Points are not applicable. This course is designed to introduce you to the world of 4x4 driving, covering basic four-wheel drive systems and the latest electronic aids fitted to four-wheel drive vehicles. A 45-minute theory session will also cover basic vehicle setup as well as handling vehicles when venturing into off-road conditions. The following driving elements will be covered in theory and during a three-hour practical drive: hill ascents and descents, traversing a side slope, driving through ditches and rutted tracks, and deep water wading. All major road surfaces will be discussed with general driving techniques. This half-day course costs R1 598, inclusive of VAT. The course is offered at discounted rates and DQ Points do not apply. It s available in Johannesburg, Pretoria, Cape Town and Durban. This course is perfect for equipping new motorcycle riders with the correct riding skills and techniques to improve their safety on the road. Riders who need to improve their confidence on the open road will also benefit. The course consists of theory in the classroom and practical lessons. The theory session includes safety aspects and defensive riding tips on various scenarios encountered on our roads. All training takes place in a controlled environment. This half-day course costs R796, inclusive of VAT. You ll earn 150 DQ Points a month for 24 months for completing the course. The course is offered in Gauteng only. The Proficient safety skills course (for motorcycles) You can complete the Proficient safety skills course and earn a total of 150 DQ Points per month for 24 months. The Proficient safety skills course is directed at all current riders (new or experienced) who want to develop and improve their riding capabilities. This course teaches you the correct way to handle your motorcycle, so you can accurately apply all techniques for safer and more confident riding in emergency situations. Slow speed skills are also mastered for ultimate control in small spaces. The curriculum will include: braking, swerving and obstacle avoidance, steering and body position, slow riding techniques (figure 8 s and U-turns). This half-day course costs R796, inclusive of VAT, on weekdays, and R886, inclusive of VAT, on weekends. You ll earn 150 DQ Points a month for 24 months for completing the course. The course is offered in Gauteng only. The Online driver training course You can log in to and watch a series of six five-minute video clips. Each clip is followed by an assessment, with a pass mark of 80%. You can watch each video as many times as you like and complete the assessments as many times as you choose to, however, DQ Points will be capped at 100 DQ Points, which you ll receive every month for 12 months. You need to complete all six assessments to qualify for your DQ Points. 6

7 ONLINE DRIVER ASSESSMENT If you complete an Online driver assessment, you will receive 50 DQ Points each month for 12 months. EYEGYM You can earn an additional 150 DQ Points per month for 12 months by getting your eyes fit to further improve your driving behaviour. By completing your EyeGym training online, you can earn up to 150 DQ Points per month for 12 months. When you register for your EyeGym training on you ll have immediate access to the Primary EyeGym course at no extra cost. When you log on to the course for the first time, you ll be prompted to do a series of short drills. This will assess your level of visual fitness. The time you spend on these assessment drills do not form part of your daily EyeGym training time. The Advanced EyeGym course is available at an extra cost of R350, including VAT. You need to complete ten 10-minute training sessions over 12 weeks to earn 100 DQ Points. For every 10-minute training session you complete, you will earn 10 DQ Points, which will be valid for 12 months. Similar to working out in a traditional gym, you need to train your eyes regularly in the EyeGym to see results and earn DQ Points. If you complete all the levels and all the drills in under 50 minutes, for example, then you need to redo the drills until you have completed 50 minutes of training to get your DQ Points. If you do not complete the Primary EyeGym course within eight weeks or the Advanced EyeGym course within 12 weeks, they will expire. You ll have the option to re-register for the Primary EyeGym course at an additional R119, inclusive of VAT, for another eight-week period. For the Advanced EyeGym course, you can re-register at an additional R350, inclusive of VAT, for another 12-week period. The Primary EyeGym course will consist of four different drills, each consisting of five levels. You need to complete five 10-minute training sessions over eight weeks to earn 50 DQ Points. For every 10-minute training session you complete, you ll earn 10 DQ Points, which will be valid for 12 months. You ll also be able to proceed to the Advanced course. 7

8 4 Improving your DRIVER SAFETY THE TIGER WHEEL & TYRE ANNUAL MULTIPOINT CHECK If you pass the Tiger Wheel & Tyre Annual MultiPoint check and have an up-to-date service history, you ll earn 150 DQ Points each month for 12 months. The Tiger Wheel & Tyre Annual MultiPoint check is a set of tests done on your motor vehicle to assess the roadworthiness of various safety functions and to check its service history. You need to pay R95 per check. In the event that your motor vehicle fails the check and you need a re-check, you need to show the results of your previous check to Tiger Wheel & Tyre. If the previous check was done within the last 30 days then no additional fee will be charged, otherwise another R95 is payable. How to complete the check Take your motor vehicle to any Tiger Wheel & Tyre branch in South Africa and ask a consultant for a Discovery Insure Tiger Wheel & Tyre Annual MultiPoint check. To find your nearest branch, go to You will need to take the Vitalitydrive card, ID or driver s license of the primary driver of the insured vehicle with you and fill in the details of the vehicle s primary driver on the Tiger Wheel & Tyre Annual MultiPoint check form. These details need to match the information in your Plan Schedule, to get your DQ Points allocated. If you are the primary driver of more than one car, you only need to take one car to do the check. If you ve activated Vitalitydrive for motorcycles and have also insured a car on your Plan, you need to take your car to complete the check. If you have Vitalitydrive for motorcycles and the only motor vehicle insured on your Plan is your motorcycle, then you need to take it to complete the check. Tiger Wheel & Tyre will perform the checks and indicate whether the vehicle has passed or failed. They will also check that your vehicle s service history is up-to-date. When the check is completed, you ll receive a copy of the form. You need to keep this in a safe place should you have any queries at a later stage. If your vehicle fails any of the checks then you won t be awarded the maximum available points. It s your responsibility to correct the areas that your vehicle didn t pass and re-do the Tiger Wheel & Tyre Annual MultiPoint check. Pass the check and increase your fuel rewards Your fuel rewards consist of your BP fuel and Gautrain spend. By passing the Tiger Wheel & Tyre Annual MultiPoint check your fuel rewards percentage will increase as follows: Essential Plan car insurance only Essential Plan car and home insurance Classic and Executive Plan car insurance only Classic and Executive Plan car and home insurance Motorcycle only and home insurance Immediate rewards Up to 5% Up to 10% Up to 10% Up to 20% Up to 10% Rewards for passing a Tiger Wheel & Tyre Annual MultiPoint check passed Up to 12.5% Up to 25% Up to 25% Up to 50% Up to 25% * You need to have insured a building and/or household contents for a minimum of R to earn the maximum applicable fuel rewards. The Tiger Wheel & Tyre discount You get a 10% discount off purchases at Tiger Wheel & Tyre, limited to purchases of R5 000 per transaction, and up to a monthly limit of R Simply show your Vitalitydrive card and you ll receive the discount. The discount does not apply to the R95 Tiger Wheel & Tyre Annual MultiPoint check. 8

9 5 Earning REWARDS HOW ARE YOUR FUEL REWARDS CALCULATED? You earn 50% back on either your fuel spend or DQ Points, whichever is the lowest amount. If you earn 600 DQ Points in the month, and spend more than R600 on fuel at BP and on the Gautrain that month, your rewards will be limited to your DQ Points. For example: You insure your car and your home on your Classic Plan, and pass your Tiger Wheel & Tyre Annual MultiPoint check You earn 600 DQ Points and spend more than R600 on fuel and on the Gautrain Your fuel reward will be R300 (50% x 600). If you earn 600 DQ Points in the month, and spend R400 on fuel at BP and on the Gautrain that month, your rewards will be based on your actual fuel spend. For example: You insure your car and your home on your Classic Plan, and pass your Tiger Wheel & Tyre Annual MultiPoint check You earn 600 DQ Points and spend R400 on fuel and on the Gautrain Your fuel reward will be R200 (50% x R400). When will you receive your fuel rewards? Fuel rewards are calculated and paid to you in the month following the month you earn them. For example, your rewards earned on fuel spend in January will be paid in February. We ll send you an SMS each month to tell you how much you have earned. If you are the Planholder and have more than one primary driver on your Plan, you will be paid the total of all the primary drivers fuel rewards. Fuel rewards are paid into the premium paying bank account or doubled and paid into your Excess Funder Account. More about your fuel rewards Your Vitalitydrive card is used to record your fuel spend at participating BP fuel outlets. Only the Vitalitydrive member whose name appears on the card may use it for fuel purchases for the cars for which they are listed as the primary driver. You no longer qualify for rewards on your BP fuel and Gautrain spend if your Discovery Insure Plan or Vitalitydrive membership are cancelled. This includes all fuel rewards not yet allocated, and funds accumulated in your Excess Funder Account. 5 Star Days Every day, we ll give away up to a tank of fuel to one of our best drivers. If you drive well on the day you fill up at BP, you ll be entered into a lucky draw and stand the chance to win back the amount you spent filling up. If you re a winner, the 5 Star Day reward will reflect in the Planholder s premium-paying bank account the following working day. We ll also give you the great news via SMS. Note: 5 Star Days is available to clients with the smartphone-enabled DQ-Track only. You will be entered into the draw if the majority of your trips during the day are rated as five stars. A trip is considered to be a five-star trip if there have been no harsh events (for example, acceleration, braking, cornering and speeding) as determined by Discovery Insure. You are only eligible to win once in any three month period. Winners will be announced in our newsletters, including the Discovery Insure client newsletter and financial adviser publications, and on 9

10 THE EXCESS FUNDER ACCOUNT Every Discovery Insure client with comprehensive motor vehicle insurance, and who has activated Vitalitydrive, gets access to an Excess Funder Account. The Excess Funder Account is a dynamic tool to help you fund your motor vehicle excess in the event of a claim. You can choose to have your Vitalitydrive fuel rewards paid to you in cash or have it doubled and paid into your Excess Funder Account. The benefits of the Excess Funder Account ❶ You can opt in and out of the Excess Funder Account from month to month. When you opt in, the fuel rewards for all primary drivers on your Plan will be doubled and paid into your Excess Funder Account. When you opt out, the monthly fuel rewards for all primary drivers on your Plan will be paid into the premium paying bank account, and the funds you have accumulated will remain in the Excess Funder Account. ❷ You can build up funds to cover your motor vehicle excess in the event of a claim This allows you to pay for your excess on a car or motorcycle claim when the claim is higher than the basic excess. You can also use the Excess Funder Account benefit when your motor vehicle claim is less than any additional excess, whether you chose this or we applied it. However, the claim must be greater than the basic excess you need to pay according to your Plan. ❸ The Excess Funder Account benefit for a hired car excess Following an incident with a hired car you may use your Excess Funder Account for the hired car excess payable. You would need to settle the excess and claim it back from us. The excess is determined by the car hire agreement. ❹4 You can withdraw cash from your Excess Funder Account after three years You have the option to withdraw cash from your Excess Funder Account after three years. For every R1 cash withdrawal, the Excess Funder Account value will drop by R2. Partial withdrawals are allowed. For example if you have R in your Excess Funder Account after three years, you can withdraw R5 000, after which your Excess Funder Account balance will be zero. After every three-year period, you will enter into a new three year cycle. The money paid into your Excess Funder Account during the new cycle can only be withdrawn at the end of those three years. The Excess Funder Account balance carries over from monthto-month and earns no interest. If your Plan or Vitalitydrive membership are cancelled, all funds in the Excess Funder Account will be lost. Activate the Excess Funder Account You can activate the Excess Funder Account for fuel rewards during the application process or any month afterwards by calling us on or ing insureinfo@discovery.co.za. 10

11 DRIVEME Discovery Insure is committed to keeping you safe on the roads. Our data shows that drivers are 10 times more likely to have an accident while driving late at night, than during other times of the day. With Discovery Insure, you have access to discounted, safe travel options at any time of the day with our three DriveMe partners Uber, Road Trip and Smart Guyz, available in Johannesburg, Pretoria, Cape Town and Durban. Uber overview Uber is a smartphone application that connects you to a private driver at the touch of a button. You get 25% off your Uber trips, subject to a total discount of R250 per month. Newly-registered Uber users receive their first trip free, up to a R250 limit. You can find this code here. No unused credit will be refunded. To activate the benefit, simply SMS UBER and your ID number to from the cellphone number you have registered/will register with Uber. You ll receive a confirmation SMS. It will take up to 14 days for your discount to become active. Using Uber It s really easy to use Uber. You need to download the app on your iphone, Android, Windows Phone or BlackBerry 7 smartphone. If you don t have one of these devices, you can access Uber on their mobi site, m.uber.com. The Uber app has several useful features. It can find your location via GPS, show you approximately how far away the closest driver is and you can select your desired car option. With Uber, all pickups are made on demand and drivers arrive within minutes, so there s no need to schedule a ride in advance. Other things you need to know You need to have an active Vitalitydrive membership. Discovery Insure reserves the right to adjust the discount limit at any time. The Uber discount is not available to Essential Plan clients. SMS s are charged at normal provider rates. Free SMS s and contract rates do not apply. Your discount will be effective within 14 days of registration. By registering for the Uber benefit, you consent to the exchange of your personal information and the personal information of any insured party on your Plan between Discovery Insure and Uber for the administration of the Uber benefit. Clients using Uber s rideshare service each pay a fee of R2.50. Uber has additional terms and conditions. Find out more. You re also able to rate your driver. Uber takes this feedback very seriously so that you can be assured of a high quality experience. You can use Uber 24 hours a day, 365 days a year. Just open the app when you re ready to ride and it will connect you to a driver nearby. Other Uber benefits Uber offers rideshare services. This means you can split your fare with other passengers. If they are Discovery Insure clients with Vitalitydrive and existing Uber users, they ll receive the 25% discount too. Uber and claims If you have a valid vehicle claim and car hire cover, but are unable to drive following an accident due to injury, you ll get an Uber package to the value of R5 000 over 60 days as an alternative to the car hire benefit. You ll have a choice of either car hire or the Uber package, but not both. 11

12 Smart Guyz and Road Trip overview By using either Road Trip or Smart Guyz to get home safely after a big night out, you can avoid more than an unpleasant hangover. Each service provider offers a range of 12-month subscription options to suit your needs. You ll be charged a monthly fee and will receive a discount off this fee, based on your current Vitalitydrive status: Vitalitydrive status Percentage discount Base 10% Neutral 15% Engaged 20% Advanced 25% The discount is applicable to the monthly fee only and will vary from month to month as it will be based on your Vitalitydrive status at the time of billing. If you purchase a subscription in your first month with Discovery Insure, you ll receive a 15% discount, based on a Neutral Vitalitydrive status. With each subscription option, you ll receive a number of free kilometres to use each month. If you exceed the free kilometres, you ll be charged for each kilometre thereafter. Once-off trips with Smart Guyz If you choose not to take out a subscription, you can contact Smart Guyz to make use of their non-subscription service. You ll pay a flat fee of R130 for assistance. The first 10km are included in this fee, with normal tariffs per kilometre applying thereafter. The Road Trip app The Road Trip app is available for iphone and Android. If you don t have one of these smartphones, log on to Roadtrip.co.za/ mobileapp on your cellphone. Once you ve downloaded the app, you can create a unique username and password, which can also be used to log in to the client profile zone on the Road Trip website. You can book collections, view your booking details, and edit your login and account details on the app. Other things you need to know You need to have an active Vitalitydrive membership. For assistance, call Road Trip on or visit or you can call Smart Guyz on or visit The Smart Guyz non-subscription service is cash only. The maximum driver waiting period is 15 minutes, after which the booking will be cancelled. Learn more. Young Adult benefit clients who use this service won t have money deducted from their Rewards Fund for driving between 23:00 and 04:30. Discounts are only applicable to the membership fee and not to any other extra i.e. extra kilometres used during the month. Corporate and group packages are excluded from this benefit. THE YOUNG ADULT BENEFIT Discovery Insure is committed to creating a nation of great drivers and that includes our young adults. If you are younger than 26, our Young Adult benefit rewards you by giving you a percentage of your premiums back for being a good driver, in addition to your monthly fuel rewards. Your rewards will be paid into a Rewards Fund, and you will receive a Rewards Card which you can use to spend it. If you re a Discovery Insure client with comprehensive car insurance who has activated Vitalitydrive and are younger than 26 years old, you can enjoy the Young Adult benefit. It s available on the Classic, Executive and Essential Plans. The Young Adult benefit provides you with a combination of benefits and tools that will help you become a good driver. We ll measure your driving with DQ-Track, the latest telematics technology, to develop a scientific measure of how well you drive. We ll provide you and your Planholder (if it s not you) with regular feedback on your driving behaviour. This will help you see which areas of your driving you need to improve. Using the feedback and services we provide you with, you will be able to improve your driving, increase your rewards and have proof that you are in fact a responsible driver! 12

13 How to earn rewards Being a good driver means you can earn great rewards. As a Vitalitydrive member, you ll receive up to 50% of your BP fuel and Gautrain spend back each month, and other rewards. You also get a Rewards Fund into which we allocate 25% of your car premiums every six months. This fund is added to or reduced based on how well you drive. The Rewards Fund Once you have activated your Young Adult benefit, we ll deposit 25% of your car insurance premiums into your Rewards Fund upfront every six months (the initial premium at the start of each six month period x25% x6). You will be issued with a Rewards Card which is a Visa accredited card that can be used in any store that accepts Visa. After six months the balance of your Rewards Fund will become available to you on your Rewards Card for you to spend. If you drive well you can boost your Rewards Fund as follows: Boost your Rewards Fund Vitalitydrive status Classic and Executive Plans Essential Plan Base -R200 -R100 Neutral R0 R0 Engaged R50 R25 Advanced R200 R100 How to protect your Rewards Fund At the end of every month your Rewards Fund will be reduced according to your night-time driving kilometres. R10 will be deducted for every kilometre you drive between 23:00 and 04:30. The likelihood of having an accident at night is 10 times higher than when driving during the day so keep yourself safe and protect your Rewards Fund by making use of our DriveMe benefit. When you use our DriveMe benefit, we will not deduct the R10 per kilometre for those trips from your Rewards Fund for driving late at night. Note: If you have a negative Rewards Fund balance at the end of a six-month period, the value of your Rewards Fund will be set to zero and you will start the next six month cycle with a zero balance. How to maximise your rewards Every Discovery Insure driver can earn up to DQ Points per month. This allows you to earn up to R800 in fuel rewards each month. Essential Plan clients can earn up to R400 in fuel rewards every month. You can earn DQ Points by driving well and completing certain activities, to improve your driving knowledge and awareness and your car s safety. The more DQ Points you earn, the higher your Vitalitydrive status. The four Vitalitydrive statuses are Base (up to 299 DQ Points), Neutral (300 to 599 DQ Points), Engaged (600 to 999 DQ Points) and Advanced ( DQ Points). The higher your Vitalitydrive status, the greater your rewards. You ll earn a monthly driver performance score based on your harsh braking, acceleration and cornering, speeding, late night driving and distance travelled. Until we have sufficient information from our DQ-Track on your driving behaviour, we will give you 400 DQ Points a month for your driver performance score. We may adjust your premium if you consistently drive late at night You may have a premium adjustment at the end of every six months based on your kilometres of night-time driving over the previous six month period: Monthly average night-time kilometres Premium increase % % % % % These premium adjustments are in addition to your annual premium review at your Plan anniversary and will apply for a period of six months only. You can earn additional DQ Points by choosing a personal driving goal to improve on every quarter and staying claim free for at least a year with Discovery Insure. You can also earn DQ Points by taking steps to improve your driving knowledge and awareness by completing a Discovery Insure driving course. You can also complete our online driver safety questionnaire and regular visual training through EyeGym. 13

14 More about the Young Adult benefit You can opt into or out of the Young Adult benefit at any stage, on a monthly basis, by contacting us on or ing insureinfo@discovery.co.za. When opting out or leaving Discovery Insure, the balance of your Rewards Fund, that you have not yet used, will be lost. When you turn 26, you can stay on the Young Adult benefit until the end of your current six month rewards cycle. After this, you will have a normal Discovery Insure Plan. If you would like to join the Young Adult benefit, please speak to your financial adviser or contact the Discovery Insure call centre on When will YOUR DQ-POINTS REFLECT? DQ Points take different lengths of time to reflect on your Vitalitydrive Points monitor based on where we get the information from: WITHIN 48 HOURS Completing the Online driver assessment WITHIN SEVEN DAYS Passing the Tiger Wheel & Tyre Annual MultiPoint check If you have completed an activity and your DQ Points have not been awarded within the timeframes listed above, please us at vitalitydriveinfo@discovery.co.za. Your service history being up-to-date WITHIN 14 DAYS Completing a Discovery Insure driving course Completing an EyeGym course AFTER THE END OF EACH MONTH Your Driver performance score Reaching a personal goal DQ Points for claim free years. 14 GM_30022IN_04/02/2015_V3