your discovery insure Fact file Everything you need to know about your cover CLICK TO START
your discovery insure Fact file table of CONTENTS Flexible options to insure your assets Vitalitydrive: Drive well and earn rewards How to get up to 50% of your BP fuel spend back and other rewards A suite of safety features to keep you and your family safe on the road Young drivers get unprecedented rewards for driving well with the Young Adult Plan Seamless access to benefits and services with SmartService and SmartClaims Who to contact This guide contains important information about your Discovery Insure plan. PLEASE REFER TO YOUR PLAN GUIDE AND PLAN SCHEDULE FOR MORE DETAILS.
flexible options to insure your assets Comprehensive motor cover Comprehensive car insurance covers you for the loss of or damage to your car caused by theft, hijacking, fire and third party liability. Malicious and accidental damage to your car and windscreen damage is included too. Theft of sound equipment is covered as long as there has been visible forcible entry into your car. Free car hire is automatically included in your plan for up to 30 days and you have the option to upgrade your car hire at an additional cost. Optional credit shortfall cover is also available on your plan. There is no excess payable for claims related to theft, hijacking, and hail, storm or fire damage. Roadside assistance is available at no extra cost if your vehicle breaks down. You can also get access to Vitalitydrive at an additional premium. The comprehensive motor plan also includes car hire while your vehicle is being repaired or while your vehicle has not been recovered after a theft or hijacking and we are finalising your claim. Third party, Fire and Theft cover or Third party cover Third Party, Fire and Theft cover provides cover for the loss of or damage to your vehicle caused by theft, hijacking, fire, lightning and explosion only. Malicious and accidental damage to your vehicle and windscreen damage is excluded. Theft of sound equipment is covered as long as there was forcible entry into your vehicle. The Third Party Plan provides liability cover only. We offer comprehensive car, home and personal insurance with structured flexibility to meet your short-term insurance needs Household and personal cover Tailor your cover for household and portable possessions. The cover you have has the following key features: Home security services for up to two nights after a burglary and emergency accommodation up to R3 000 with HomeProtector at no extra cost. Help with emergency household repairs like electrical services, emergency plumbing services, emergency locksmith services and security services with HomeAssist. Certain limits, terms and conditions apply. No excess on household cover for claims due to theft with visible forced entry, fire, lightning, flood, storm or hail damage and geyser claims. a no-average guarantee when you use the Inventory option for your household contents. To get full cover for theft where there is no visible forced entry some items should be specified to ensure they have full cover. Premiums in the portable possessions category can be based on your expected loss, not the full value of your portable possessions and electronic devices. Please remember you can choose an estimated maximum loss if you have specified more than two items in a category to reduce your premiums. The maximum amount we will pay per event in that category is the estimated maximum loss. 1
Drive well and earn rewards Vitalitydrive is our driving programme that rewards you for improving your driving, increasing your driving knowledge and awareness and ensuring your vehicle is safe to drive. By engaging with Vitalitydrive you will become a better driver taking us a step closer to our goal of creating a nation of better drivers. You can get access to Vitalitydrive at an additional premium. The programme uses DQ-Track, the latest in vehicle telematics technology, to scientifically calculate your driver behaviour, which we call your Driver Quotient or DQ. We measure your Driver Quotient based on the number of DQ Points you earn. The more DQ Points you earn, the higher your Driver Quotient, the higher your Vitalitydrive status and the greater your rewards. The DQ-Track is installed by the SmartService team at a time and place that is convenient for you at no additional cost. The more DQ Points you earn, the higher your Vitalitydrive status, the greater your rewards The number of DQ Points you earn determines your Vitalitydrive status as shown in the table. When you activate Vitalitydrive you will get a default driver performance score of 400 DQ Points at the end of the month. This means you will on Neutral status. You will to receive DQ Points based on your actual driver performance between four and six weeks after SmartService installs your DQ-Track. You will continue to get 400 DQ Points per month until we award you DQ Points based on your actual driver performance. Status B 525 700 875 350 NO Base EXCESS 175 1050 1225 N 525 700 875 350 NO Neutral EXCESS 175 0 1400 0 1400 0 1400 0 1400 DQ Points 300 600 1000 1050 1225 E 525 700 875 350 NO Engaged EXCESS 175 1050 1225 A 525 700 875 350 NO EXCESS 175 1050 Advanced 1225 2
Drive well and earn rewards Earn DQ Points by improving your driving DQ-Track measures driving behaviour immediately. Each month you can earn DQ Points based on your driving behaviour. In calculating your driver performance score, we consider factors like harsh braking, acceleration, cornering, speeding, driving at night and distance travelled. You can use the interactive online tool, DQ Mapper, to see your past trip information and driver records. The DQ-Track needs four to six weeks after installation to get enough information to assess your driving behaviour. You will get 400 DQ Points as a default driver performance score each month until we can determine your actual driver performance score. Usually you get your first actual score at the end of the second month. After three months your monthly driver performance score will be based on a rolling average of the preceding three months driving behaviour. DQ Points earned as part of your driver performance score will only be calculated and awarded after the end of a month, for the previous month s driving behaviour. Activity Monthly DQ Points Driver performance score One claim-free* year with Discovery Insure Two claim-free years with Discovery Insure Three claim-free years with Discovery Insure 0 750 25 75 150 * DQ Points are awarded for claim-free years with Discovery Insure and not any other insurer. Improve your knowledge and awareness to earn DQ Points You can earn up to 150 DQ Points a month by taking steps to improve your knowledge and awareness with Vitalitydrive s online tools. Mercedes-Benz Dynamic Driving offers Vitalitydrive accredited proactive driving courses. Completing an introductory or advanced proactive driving course every two years means you will have the skills to lower your exposure to accidents and reduce your vehicle running costs including improved fuel efficiency and tyre life and reduced wear and tear. We will record your DQ Points within 48 hours of receiving the notification that you ve done the course. You can contact Mercedes-Benz Dynamic Driving on 012 384 2298. Activity Monthly DQ Points Annual Driver Safety review 75 for 12 months Online quiz every calendar quarter 75 (do in the first month of each calendar quarter to get the points for a full three months) Proactive driving course every two years 100 (for 24 months) 3
Drive well and earn rewards Activity Earn DQ Points by ensuring your vehicle is roadworthy and safe to drive Complete the Tiger Wheel & Tyre Annual MultiPoint check to ensure your vehicle is safe to drive For a cost of R95 per car, Tiger Wheel & Tyre will make sure your tyres, windscreen wipers, lights, indicators, hazards, seatbelts, steering, hooter and shocks are in working order. They ll also check you ve serviced your car regularly, so take your service book along. If your car fails the MultiPoint check, fix the faults within 30 days and complete the test again for free to get bonus points. Remember, your car must pass the Tiger Wheel & Tyre Annual MultiPoint check to qualify for increased fuel rewards. We will allocate your DQ Points within seven days of doing your checks at Tiger Wheel & Tyre. To find your nearest Tiger Wheel & Tyre branch visit www.twt.co.za Monthly DQ Points Tiger Wheel & Tyre Annual MultiPoint check Bonus points for passing the check Car service history up to date 100 for 12 months 100 for 12 months 50 for 12 months 4
How to get UP TO 50% of your BP fuel spend back How to get up to 50% of your BP fuel spend back and other rewards Each DQ Point earned allows you to get rewards on R1 of fuel spend at BP. You will get rewards on the lower of your fuel spend and DQ Points earned. For example if you earn 600 DQ Points in the month and spend more than R600 on fuel at BP, your fuel rewards will be calculated on R600 because you only earned 600 DQ Points. How the percentage for your fuel rewards is determined The rewards are determined by whether you insure your car or your car and home and whether you have taken your car to Tiger Wheel & Tyre and passed an Annual MultiPoint check. You will receive a percentage of your BP fuel spend back every month based on the number of DQ Points you earn each month and the table below. Car insurance Car and home insurance Immediate rewards 10% 20% Rewards after passing the Tiger Wheel & Tyre Annual MultiPoint check 25% 50% Please note: Home insurance is defined as household contents and/or building insurance with a sum insured of at least R250 000. All household contents must be insured at their replacement value. Contents that are under-insured will have average applied at claims stage. You will receive a percentage of your BP fuel spend back every month based on the number of DQ Points you earn Fuel rewards are paid into your premium paying bank account in the following month Rewards earned in January are paid in February, for example. If there is more than one primary driver on your plan you will receive the total of all primary drivers rewards paid into your premium paying bank account on a monthly basis. The exception is the Young Adult Plan where the planholder can choose to have the young adult s fuel rewards paid into the young adult s Rewards Fund. You will receive maximum reward percentages based on your home insurance for the whole month provided that your home insurance is included on your plan on the date the fuel reward calculations are done. The maximum number of DQ Points you can earn per month is 1 250 points. If your plan is claims free for three years this limit is extended to 1 400 points per month. The maximum fuel reward payable is R700 per Discovery Insure driver who has elected the Vitalitydrive benefit. Limits, maximum fuel limits, terms and conditions apply. 5
How to get UP TO 50% of your BP fuel spend back Have your fuel rewards doubled and paid into your Excess Funder Account The Excess Funder Account is available through Vitalitydrive and provides you with a dynamic tool to manage your cover and plan premium. You can get access to Vitalitydrive at an additional premium. You can choose to have your Vitalitydrive fuel rewards paid to you in cash or have them doubled and paid into your Excess Funder Account. The Excess Funder Account lets you build up a fund to cover your car excess in the event of a claim The Excess Funder Account will pay out in the event of a valid car claim in excess of the minimum basic plan excess applicable to the relevant section of cover. Each month you will receive a percentage of your monthly car insurance premiums paid into your Excess Funder Account based on your Vitalitydrive status as follows: Vitalitydrive status % Premium paid into your Excess Funder account Base Neutral Engaged Advanced 0% 2.5% 5% 10% Your Vitalitydrive status at the of the month is used to determine the percentage which will be applied to the month s premium. New clients will get 2,5% of their car insurance premium allocated to their Excess Funder Account in their first month with Discovery Insure. The percentage applicable to each car insurance premium will be based on the Vitalitydrive status of the primary driver of the vehicle. The Excess Funder Account earns no interest. Reduce your plan premiums by using your Excess Funder Account to cover a higher plan excess The balance in your Excess Funder Account carries over from month to month, and year to year. You can access your funds to cover your full excess in the event of a valid car claim greater than the minimum basic excess applicable to the relevant section of cover. As your Excess Funder Account balance increases you have the option to increase your car plan excess, which will lower your monthly premium immediately. You can withdraw cash from your Excess Funder Account after each three-year cycle You have the option to withdraw cash from your Excess Funder Account after three years. You will have access to 50% of the funds available in the Excess Funder Account. For every R1 cash withdrawal, the Excess Funder Account value will drop by R2. Partial withdrawals are allowed. Move between cash rewards and the Excess Funder Account option as your needs change You can opt in and out of the Excess Funder Account on a monthly basis. When you opt in, the fuel rewards for all primary drivers on your plan will be doubled (up to 100%) and paid into your Excess Funder Account. When you opt out, the fuel rewards for all primary drivers on your plan will be paid into the premium paying bank account. You cannot withdraw funds from your Excess Funder Account within the first three years of activation. If you cancel your plan during this time you will forfeit your Excess Funder Account. If you are on the Young Adult Plan, you will not get a percentage of your premium added to an Excess Funder Account but to the Rewards Fund instead. Limits, maximum fuel limits, terms and conditions apply. 6
How to get UP TO 50% of your BP fuel spend back Tiger Wheel & Tyre discount You will get 10% discount for all purchases at Tiger Wheel & Tyre. This is limited to a total spend of R10 000 per month and R5 000 per transaction. This benefit is available to all Vitalitydrive members and you will have to produce your Vitalitydrive card when making a purchase to get the discount. This discount does not apply to the R95 Tiger Wheel & Tyre Annual MultiPoint check. Tiger Wheel & Tyre is a network of tyre fitment centres across Southern Africa, specialising in performance wheels and the world s best brands of tyres at affordable prices. To find your nearest Tiger Wheel & Tyre visit www.twt.co.za Limits, maximum fuel limits, terms and conditions apply. 7
By activating Vitalitydrive at an additional premium and installing a DQ-Track you have access to several features and tools that improve your vehicle and passenger safety. A suite of Safety Features to keep you and your family Safe on the road You have the following safety features at no additional cost Accurate travel directions by telephone, fax or email within the borders of South Africa from Direction Assist. Regular contact throughout your journey with the 24-hour helpline, Trip Monitor, to make sure you arrive safely at your destination. Emergency roadside assistance benefits including: jump-ing a car, changing a flat tyre, delivering up to 10 litres of fuel if you ve run out and locksmith services if you ve locked your keys inside your car. Limits and conditions apply. Vehicle safety features through VehicleProtector Nationwide vehicle tracking and recovery Automatic detection of battery tampering Ensures real-time communication with DQ-Track making sure the device is always working. ImpactAlert provides immediate medical care when you have an accident ImpactAlert gives you the following benefits: Emergency medical assistance in severe accidents Emergency medical assistance providers will have access to Discovery Health Medical Scheme members health information. DQ-Track is provided through Vitalitydrive at no additional cost 8
If you have Vitalitydrive you can also get discounted rates with NightDriver Based on the telematics data gathered through DQ-Track, our experience shows that clients are ten times more likely to have an accident while driving late at night, than during other times of the day. The NightDriver benefit has been designed to provide access for all Discovery Insure clients with Vitalitydrive to a network of accredited home drive services. A suite of Safety Features to keep you and your family Safe on the road You have two options for activating and making use of the NightDriver benefit 1. You can subscribe to RoadTrip or SmartGuyz and receive a discounted monthly subscription fee based on your Vitalitydrive status. Depending on the package, you will be charged a monthly fee and receive an allocated number of kilometres to use each month. If you exceed your allocated kilometres you will be charged for each kilometre thereafter. You will receive monthly discounts of up to 25% based on your Vitalitydrive status as shown in the table below. Vitalitydrive status % discount off subscription Base Neutral Engaged Advanced 10% 15% 20% 25% 2. If you don t take out a subscription you can contact SmartGuyz at any time and pay a flat fee of R100 for assistance. The first 10 kilometres are included in this fee with normal tariffs applying per kilometre thereafter. You will not need to register for this benefit and can simply call SmartGuyz when needed. SmartGuyz will verify that clients are Vitalitydrive members. Only cash is accepted for this service. For both options you and your car will be fetched at your location and driven to your home. Visit www.smartguyz.co.za or www.roadtrip.co.za to contact them directly. 9
NEW FEATURE The Young Adult Plan is designed to incentivise young adults to improve their driving behaviour. It offers all young drivers who select the plan substantial rewards for driving well. Drivers aged 18 to 25 who take up the Young Adult Plan will get: Active driving feedback and monitoring to help them become better drivers A Rewards Fund to spend on whatever they like. Young drivers are rewarded For driving well Young adults can choose how they want to be rewarded with the Rewards Fund When a young adult joins, 25% of their car premium will be held in their Rewards Fund. This amount will increase each month if they drive well and decrease if they don t, based on their Vitalitydrive status. Vitalitydrive status Effect on Rewards Fund Base Neutral Engaged Advanced - R200 0 R50 R200 We ll also minus R10 for every kilometre they drive between 23:00 and 4:30. After six months the amount will be paid out into a Rewards Card for the young adult to use on whatever they want. Premium adjustment The young adult will receive a premium adjustment at the end of every six months based on their number of kilometres of nighttime driving over the previous six-month period. These premium adjustments are in addition to their annual premium review at the plan anniversary and will apply for six months only. Young drivers get unprecedented rewards for driving well with the Young Adult Plan Driver feedback DQ-Track will let us know exactly how the young adult s been driving. We ll SMS the young adult and the planholder feedback and send them a report so they can see how the young adult has been driving and where they can improve. 10
SMARTCLAIMS takes the Hassle out of claiming SmartClaims takes the hassle out of claiming. If you re involved in a car accident you can call us on 0860 751 751 or 0860 999 911 or use the Discovery Insure claim-logging function on Discovery s smartphone app. The app is available on BlackBerry, iphone and Android. Use the Discovery Insure app The Discovery Insure app uses the latest SmartService technology to take the hassle out of claiming. The app guides you through the relevant information to capture at the scene of the accident. If you re involved in any sort of motor accident, you can: 1. Use the app to take a photo of the damage to your vehicle 2. Capture details of the accident scene and the other people involved 3. Send it to us to the claim. Press the panic button on the app to let us know if you need help in an emergency After calling you to assess the severity of the accident, we will send the appropriate emergency assistance. How to get the app Download the app from the iphone app store, Google play or BlackBerry app world. Use your www.discovery.co.za username and password to log in to the app. Please refer to www.discovery.co.za or call 0860 751 751 for more information. Seamless access to benefits and services with SmartService and SmartClaims You can also email your claims Email us at insureclaims@discovery.co.za or call us on 0860 751 751 within 30 days of the claim event. Please refer to your Plan Guide for more details. FastTrack claims FastTrack approved electronic portable possession claim items will be replaced within 48 hours in metropolitan areas. SmartService offers a range of convenient services to make your life easier We arrange free installation of your DQ-Track at a time and place convenient for you and a free asset inventory assessment for household contents valued at over R750 000. 11
We understand that being involved in a car accident or breaking down can be a stressful experience for any driver. The following information will guide you through the claims process and give you peace of mind that you and your car are being taken care of. If your car breaks down SMARTCLAIMS takes the Hassle out of claiming At the scene of the breakdown We will help you jump your car. This benefit excludes the costs of parts and other provisions and won t be provided if the fault is due to neglect. Certain cars under warranty may not be jump ed or fixed at the scene of the breakdown. We will change your flat tyre. If you do not have a spare tyre, one can be provided at your cost. We will deliver up to 10 litres of fuel if you run out. This is limited to two incidents a year for each car. We will arrange locksmith services if you have locked your keys inside your car. This only includes unlocking your car, the cost of the call-out fee and one hour s labour. Cars with Smart Keys cannot be unlocked at the scene of the breakdown and will be towed to the nearest place of repair or safekeeping. Services we offer If your car can t be fixed at the scene of the breakdown We will tow your car to the closest place of repair or safekeeping within the borders of South Africa. We will arrange transport to your home or destination within 100km up to a maximum of R750. If your home or destination is more than 100km away you can choose from: One night s accommodation up to a maximum of R1 000, or A taxi service option up to a maximum amount of R750, or A rental vehicle option up to a maximum amount of R500. At the scene of the breakdown We will tell you who is coming and give you an indication of when they will get to you. We will ask you if you feel safe and if you don t we will make arrangements for you to get to safety and discuss any costs involved. What to do First call Discovery Insure 0860 751 751 If your car can t be fixed at the scene of the breakdown We will talk you through each step of the process and help you make sure: You and your family are safe Your car gets towed to the closest place of repair or safekeeping. Throughout this process we will let you know what you may have to pay for. 12
SMARTCLAIMS takes the Hassle out of claiming If your car is driveable after a car accident 1. Logging your claim Call Discovery Insure on 0860 751 751 to your claim. We ll talk you through each step of the process and remind you to: Get the details of the other driver and any witnesses. If possible take photos of the accident scene. Go to the Police Station and get a case number within 24 hours of the accident. OR Use your SmartPhone app to notify us of the claim, take photos of the accident scene, capture the details of the other driver and any witnesses and send the information to us. You will need to go to the Police Station and get a case number within 24 hours of the accident. 2. Having the damage assessed We will contact you within 24 hours to arrange an assessment of your car at a time that is convenient for you. we will help you locate the nearest assessment centre which you will need to take your car to. The assessment will take up to 20 minutes to complete. The assessment centre will advise if your car is safe to drive. If your car is unsafe to drive we will arrange car hire and transport for you. 3. Claim authorisation We will call you within 48 hours of your assessment to let you know if your claim is approved, being assessed or rejected. o If your claim is being assessed, a claims assessor will contact you. o If your claim is approved we will explain the repair process to you. o If your claim is rejected we will discuss the reasons with you. 4. Repairing your car We will contact you to make arrangements with an approved repairer. If certain parts need to be ordered for your car the repair process may be delayed. You will need to continue driving your car until the parts become available. Once a repair time has been confirmed we will ask you to take your car to the repairer where you can collect your hired car. Alternatively you can drop your car off at an Avis branch and collect your hired car there. Your hired car can also be delivered to you if you are within 30km of an Avis branch. You ll get Avis car hire for the duration of the repairs for up to 30 days at at no extra cost. 13
D w SMARTCLAIMS takes the Hassle out of claiming 5. Collecting your car We will contact you when your car is ready to arrange a convenient time for collection. When you collect your car, you will need to return your hired car. If you collected your car hire at the repairer, you will need to return the hired car to the repairer. This is preferable as it will allow you to inspect your repaired car with the repairer. If you collected your car hire at Avis, you have the option to return the hired car to Avis as long as you give us at least three days notice to arrange delivery of your repaired vehicle. When you collect your car you will need to pay the claim excess amount stated in your Discovery Insure plan schedule. If you have enough money in your Excess Funder Account you can use it to pay your claim excess. If you are collecting your repaired car at Avis you will need to pay your claim excess with a credit card. 14
SMARTCLAIMS takes the Hassle out of claiming If your car is not driveable after a car accident 1. Logging your claim If you are able to contact us at the accident scene Call Discovery Insure on 0860 751 751 to your claim. We ll talk you through each step of the process and remind you to: Get the details of the other driver and any witnesses. If possible take photos of the accident scene. Go to the Police Station and get a case number within 24 hours of the accident. OR Use your SmartPhone app to notify us of the claim, take photos of the accident scene, capture the details of the other driver and any witnesses and send the information to us. You will need to go to the Police Station and get a case number within 24 hours of the accident. If you are unable to contact us at the accident scene When we are aware of the accident, we ll manage the accident scene and make sure you and your car are looked after. We will also arrange car hire for you when you need it. If ImpactAlert alerts us that you ve had a serious accident, we ll monitor your car to see if you resume driving. If your car is stationary we ll try to call you and If you are unreachable, we ll immediately send emergency support services to the scene. You will still need to get a case number from the police station as soon as possible. 2. Towing If you are able to contact us at the accident scene When you call us we will talk you through the towing process and make sure you know what to do. We ll arrange for your car to be towed by an approved service provider at no extra cost. If your car is towed by a service provider that we have not approved, a portion of the costs may be payable by you. If you are unable to contact us at the accident scene We ll arrange for your car to be towed by an approved service provider at no extra cost. If your car has already been towed by an unapproved provider and you were unable to assist in the process we will cover all costs. 3. Having the damage assessed We will arrange an assessment of your car to be done within three days of your claim being logged. It could however take longer depending on the car s location. 15
SMARTCLAIMS takes the Hassle out of claiming 4. Claim authorisation We will call you or a member of your family within 48 hours of your assessment to let you know if your claim is approved, being assessed or rejected. o If your claim is being assessed, a claims assessor will contact you. o If your claim is approved we will explain the repairs process to you. o If your claim is rejected we will discuss the reasons with you. If your car is written off you will need to provide us with information including the proof of ownership documentation. This may delay the process. Once we have everything we need and are able to finalise the claim, the money should reflect in your account within four working days. 5. Repairing your car We ll contact you to make arrangements with an approved repairer. If certain parts need to be ordered, the repair process may be delayed. We ll confirm a repair time and then arrange for your car to be towed to the approved repairer. We ll arrange your car hire for you as soon as you need it. You ll get Avis car hire for the duration of the repairs for up to 30 days at no extra cost. 6. Collecting your car We will contact you when your car is ready, to arrange a convenient time to collect it. When you collect your car, you will need to return your hired car. If you collected your hired car at the repairer, you will need to return it to the repairer. This is preferable as it will allow you to inspect your repaired car with the repairer. If you collected your hired car at Avis, you have the option to return it to Avis as long as you give us at least three days notice to arrange delivery of your repaired vehicle. When you collect your car you will need to pay the claim excess amount stated in your Discovery Insure plan schedule. If you have enough money in your Excess Funder Account you can use it to pay your claim excess. If you are collecting your repaired car at Avis you will need to pay your claim excess with a credit card. 16
SMARTCLAIMS takes the Hassle out of claiming Important information about your Avis car hire 1. Discovery Insure will provide you with car hire from Avis at no extra cost while your car is being repaired, while your car has not been recovered and while we are finalising your claim for a maximum of 30 days. 2. Your Discovery Insure benefit includes a standard Avis Group A manual car with power steering and air-conditioning (an example would be a Hyundai i10). If you re only licensed to drive an automatic car, we can arrange one for you. 3. You can upgrade to another car at an extra cost at any time. It will be more expensive to do this at claims stage so we recommend that if you want to upgrade your hire car, you should do it prior to any claims. If you want to upgrade your car hire, please speak to your financial adviser or call us on 0860 751 751. 4. We will pay for the costs of the hired car however you will still be subject to the terms and conditions of the hire agreement that you sign with Avis, including other costs such as (but not limited to) fuel, traffic fines, e-tolls, insurance and excess in the event of damage. 5. When you collect your hired car at Avis you will need to pay a security deposit of R750 with your credit card. When you return the hired car, Avis will refund your security deposit to you as long as there are no extra amounts that you owe. 6. You will also need to sign a rental contract with Avis which includes the terms and conditions and the insurance for your rental agreement. Please read through this carefully and make sure you are fully aware of any costs you may be liable for. 7. We will let you know when your car is ready to collect or that we have settled your total loss claim. You will then need to return your hired car within 24 hours to make sure you do not face any extra costs. 17
Need more information on your plan? If you have any questions about your cover, you are welcome to contact: Who to contact 1. Your financial adviser 2. The Discovery Insure contact centre on: 0860 751 751 insureinfo@discovery.co.za 3. The Discovery Insure Compliance Officer on: 011 529 2980 compliance@discovery.co.za 4. Discovery Insure Maintenance: 0860 751 751 insureinfo@discovery.co.za 5. Vitalitydrive: 0860 751 751 vitalitydriveinfo@discovery.co.za 6. Discovery Insure Claims: 0860 751 751 insureclaims@discovery.co.za 7. Discovery Insure Complaints: 0860 751 751 insureinfo@discovery.co.za Help get rid of insurance fraud Fraud is also a criminal offence and punishable by law. Discovery Insure always strives to combat fraud for the benefit of all stakeholders in the insurance industry. If you know of or suspect fraudulent activity, please contact: Discovery s Forensic Services Toll-free phone 0800 004 500 Toll-free fax 0800 007 788 discovery@tip-offs.com The SAIA Insurance Fraudline 0860 002 526 insurance@fraudline.co.za Limits, maximum fuel limits, terms and conditions apply. Visit www.discovery.co.za or contact us on 0860 751 751. Discovery Insure Ltd is an authorised financial services provider. Registration number 2009/011882/06. 18 21773IN_GM_18/06/2013_V3