Discovery Insure provides you with advanced safety features such as ImpactAlert that gives you peace of mind about being on the road. Clients who join Vitalitydrive and choose to have a DQ-Track installed at no additional cost will automatically benefit from ImpactAlert.
When your DQ-Track detects a severe impact, it immediately notifies Discovery Insure. Discovery Insure will monitor your car to determine if you continue driving. If the car is stationary, Discovery Insure will try to call you to find out if you need any assistance. If you can’t be reached, an emergency response unit will be dispatched immediately to the scene of the accident. If necessary, emergency medical assistance will also be dispatched to the scene. Discovery Health members will benefit from the emergency medical response unit having access to your health records.
Important Information for You
Discovery Insure Quote Request
Discovery Insure Quote Request
ImpactAlert has been designed to trigger when the DQ-Tracks detects a harsh G-force. This is generally experienced in a severe car accident. However, this cannot be guaranteed in all circumstances, in the same way as the deployment of airbags is not guaranteed. For example; if the DQ-Track is damaged during a severe accident or if the severe accident occurs in an area where there is no cellular reception, Discovery Insure may not receive a notification.
In addition, Discovery Insure makes sure that your DQ-Track is always in working order by monitoring the device on a daily basis. Should the DQ-Track be faulty over a couple of days, Discovery Insure will contact you to arrange a convenient time and place for the device to be checked and repaired or replaced at no additional cost.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted Jun 12, 2013, 2:32 AM by Dean Wicks
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updated Jun 12, 2013, 2:32 AM
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Receiving your Vitalitydrive Card in the mail.
Discovery Insure clients who join Vitalitydrive can get up to 50% of your BP fuel spend back every month by earning DQ Points, filling up at BP and making sure you swipe your Vitalitydrive cards. You will receive your Vitalitydrive cards shortly after joining Discovery Insure.
The Vitalitydrive card delivery process
Within three working days of Discovery Insure plan activation, your Vitalitydrive cards will be sent by post to the postal address specified in your Plan Schedule. If your Vitalitydrive card is not delivered within 14 working days of plan activation, you can contact us. Discovery will then arrange to have your Vitalitydrive card couriered to you within three to five working days.
Discovery will require your contact details and daytime address for delivery as they don’t deliver Vitalitydrive cards to third parties;
Making sure that the correct postal address is reflected on your client’s Plan Schedule
Reminding your clients to notify us of non-delivery after 14 working days of plan activation.
Earning Vitalitydrive fuel rewards
Once your Discovery Insure Plan is activated, you can start earning fuel rewards as soon as you receive your Vitalitydrive card. To earn fuel rewards you need to earn DQ Points and swipe your Vitalitydrive cards when you purchase fuel at BP.
You cannot earn fuel rewards on fuel purchases without swiping your Vitalitydrive cards at BP. Delivery of your Vitalitydrive card could take up to 14 working days after plan activation. During this time, you will not be able to earn fuel rewards.
Discovery Insure Quote Request
Discovery Insure Quote Request
What do to if a BP does not accept a Vitalitydrive card
If for some reason you cannot swipe your Vitalitydrive card, for example a BP garage is offline when your client is filling up with fuel, you will need to email us a scanned copy of your fuel slip as well as your Vitalitydrive card number to receive your fuel rewards.
The Vitalitydrive card number can be found on the front of the card and starts with ‘037’.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 29, 2013, 6:33 AM by Dean Wicks
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updated May 29, 2013, 6:39 AM
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How To Claim With Discovery Insure.
Discovery Insure SmartClaims provides a convenient and hassle free claims solution for you in the event of a claim.
To facilitate a smooth claims experience, it is important for you to always phone Discovery Insure first, if possible, on 0860 751 751. If you have had a motor vehicle accident, you can also use your SmartPhone app (available for Android, Blackberry and iPhones) to get your claim started.
As soon as Discovery are aware of a your claim, they will assign a dedicated claims consultant who will handle your claim from start to finish. Throughout your claims process, including vehicle assessment and claim authorisation, Discovery will keep you and The Robert Group informed. Discovery will guide you through the requirements of each step of the claims process explaining how the repair and Avis car hire processes work.
To further assist you, Discovery have put together a brochure which outlines the motor claims process. You can access this Motor Claims Guide on their website. The Motor Claims Guide contains information on the entire end-to-end process as well as clear turnaround times for the following situations:
If your car breaks down,
If you are involved in an accident and the vehicle is still driveable,
If your are involved in an accident and the vehicle is no longer driveable,
If you qualify for the Avis car hire benefit.
Discovery Insure Quote Request
Discovery Insure Quote Request
Discovery Insure also offers FastTrack claims, which applies to claims for selected specified electronic portable possessions. Such as claims for your cellphone, tablet or laptop. If these items are stolen, they will be replaced within 24 hours in Johannesburg however in the rest of Gauteng, Durban and Cape Town they will be replaced within 48 hours. If Discovery don’t keep this promise to you, you won’t have to pay the excess.
Please note that FastTrack claims need to be approved and FastTrack will not apply if the item is part of a larger claim, for example a household contents claim.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 14, 2013, 2:13 AM by Dean Wicks
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updated May 14, 2013, 2:14 AM
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Preventing water leaks.
By encouraging you to keep your homes well maintained, you will avoid unnecessary claims. This week we look at how to detect and prevent water leaks in the kitchen and bathroom. Leaking water can cause serious damage over time so it’s crucial to do these checks regularly.
Water leaks can happen anywhere and in any home. Water leaks mostly occur in kitchens and bathrooms. A constant leak wastes thousands of litres of water a year and can cost you thousands of Rands. Leaks left undetected also cause more damage. Early detection of leaks often means the difference between a simple clean-up and major plumbing repairs.
Here are some tips to help you prevent water leaks in your home:
Preventing leaks in the kitchen
If the kitchen sink drains slowly, or not at all, it could be due to a blocked drain. A blocked drain can cause a leak in the drainpipes under the sink. Try using some eco-friendly drain cleaner to remove the blockage. If that doesn’t work it’s best to call a plumber for assistance.
Every few months, check if the hose connecting the dishwasher to the water supply is secure, connected properly and not leaking. If you suspect water is leaking from the dishwasher, call a professional to repair any damage.
Refrigerators often cause leaks. A manual defrost refrigerator will have to be cleaned out and defrosted at least twice a year to prevent leaks. If the refrigerator has an icemaker, check the hose connecting the refrigerator to the water supply is secure, connected properly and is not leaking.
Discovery Insure Quote Request
Discovery Insure Quote Request
Preventing leaks in the bathroom
Check the showers, baths and toilets for leaking water, discoloration or soft areas in the floor and on the walls nearby. If you suspect a water leak, call a plumber for help before the leak causes further damage.
Also make sure the areas around the sinks, taps and drains are sealed properly. If you see trickling water, damp cabinets, mould or leaking taps it may be signs of a leak.
Check pressure valves and connections of the geysers for any leaks. Also make sure the drip trays are in place and that the outlet joins are sealed properly. The drip tray is a regulatory requirement for geysers in South Africa and can prevent gradual damage from a steady leak or minimise damage if the geyser bursts.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 14, 2013, 1:29 AM by Dean Wicks
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updated May 14, 2013, 1:30 AM
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Keep your damaged items in the event of a claim.
It’s important to make sure you know what to do if you need to claim. This will help make sure you are not disadvantaged in any way.
You should always contact Discovery Insure as soon as possible after you have suffered damage to or a loss of an item. This will allow Discovery to help you follow the correct claims procedure and make sure your claim is not negatively impacted by any incorrect actions.
Discovery Insure Quote Request
Discovery Insure Quote Request
If you suffer damage to an asset, such as your television set, you should not throw it away. Discovery's claims assessors need to inspect the damage to determine the potential value of the claim (for example; assessing if the item can be repaired or if it needs to be replaced) and whether or not there is any salvage. They will also use it to verify that the item does exist. If you throw away a damaged item, Discovery might be unable to prove its existence which may result in the claim being rejected.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 9, 2013, 4:56 AM by Dean Wicks
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updated May 9, 2013, 4:57 AM
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Discovery Insure SmartTips: Understanding valuation certificates and proof of ownership
Discovery Insure provides you with flexible options to insure your valuable items like jewellery, artworks or other items that are rare, unique or collectibles. Your can insure these items under your household contents cover or under your portable possessions. The cover under each of these sections differs so it is important to make sure you have covered your valuable items correctly, according to your needs.
Valuation certificates and proof of ownership
At claims stage, regardless of whether your valuable items were in a safe or not, you would have to provide Discovery Insure with valuation certificates and proof of ownership. This requirement is regardless of whether the assessor was shown valuation certificates during the original inventory assessment. Without these certificates, the most Discovery will pay for any one item is R5 000.
However, in the event of a total household contents loss, for example; where the your entire house burns down, you would not have to provide a valuation certificate as long as the assessor was shown the valuation certificate during the asset inventory assessment and made a note of it on the asset inventory report.
Discovery Insure Quote Request
Discovery Insure Quote Request
You must always keep up-to-date valuation certificates to make sure the sum insured is correct for all your valuable items. It is important that valuation certificates accurately reflect the necessary specifications, for example; the clarity and weight of a diamond ring.
It’s advisable that you also keep copies of the valuation certificates somewhere other than in your home to make sure they are available at claims stage.
Please remember that during an asset inventory assessment the assessors will not valuate or give advice on appropriate cover, but will simply confirm the existence of the items. You can get jewellery valuations from any registered jeweller.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 9, 2013, 4:47 AM by Dean Wicks
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updated May 14, 2013, 2:31 AM
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Discovery Insure SmartTips: Cover for items stored in your car
Discovery Insure you as the client to take reasonable precautions and steps to prevent loss or damage. This includes making sure that items are not visibly displayed in your cars and making sure your cars are safely locked.
The importance of safely storing items in your cars
It is important to make you are aware of these requirements as Discovery do not cover items that are stolen from unattended cars if the items were not locked inside the luggage compartment or locked inside the interior of the car. Discovery also don’t cover any items stolen from a your car as a result of “jamming”, whereby a device is used to block the signal sent from your car’s remote to lock your car. Your are expected to make sure that your car is safely locked before leaving it unattended. All claims for goods stolen from a car require that there has been visible, violent and forcible entry into the car.
Please remember that items kept in your cars need to be insured under the portable possessions section of your Discovery Insure plans as these items are not covered under your vehicle cover. It is particularly important that you have also specified items that won’t be covered under the general clothing and personal effects section. A good example is a laptop which falls under the audio visual category and must be specified to be properly covered.
Here are a few tips that will help you keep the valuable items you travel with safe. These tips are particularly important for you that travel with accessories in your cars such as GPS’, iPods, cellphones and docking stations.
Discovery Insure Quote Request
Discovery Insure Quote Request
Make sure that all your car’s doors are safely locked, all the windows are closed and that the alarm is activated before leaving your car unattended
Try not to leave any valuable items in your car
If you have to leave valuable items in your car, keep them out of sight by locking them away in the luggage compartment or any other storage compartment
Remember that in order to have cover for these items you need to specify them under portable possessions or where appropriate you need to take out general clothing and personal effects cover.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 8, 2013, 5:45 AM by Dean Wicks
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updated May 8, 2013, 5:47 AM
]
Costs Remain High Despite Recent Decrease In Fuel Price
Those of you who have earned up to 50% back on your monthly BP fuel spend have managed to protect yourselves against the steep fuel price hikes over the past 21 months.
It’s important to note that the recent fuel price drop comes after three consecutive monthly price hikes. Have a look at this graph to see the actual fuel inflation over the past year.
Vitalitydrive members absorb these increases by earning up to R700 back on your monthly BP fuel spend.Discovery have paid out more than R37.5 million in fuel rewards to date. This amounts to around 58 000 tanks of fuel!
Discovery Insure Quote Request
Discovery Insure Quote Request
By driving better – this means less harsh acceleration, braking and cornering, not speeding or driving with incorrectly inflated tyres, which all result in higher fuel consumption – you can earn more DQ Points, reduce your fuel consumption and improve your chances of getting up to 50% back on your monthly BP fuel spend.
You can complete other activities to earn DQ Points like Discovery's quarterly quiz and Annual Driver Safety review, passing an annual Tiger Wheel & Tyre MultiPoint check and doing the proactive driving course. You’ll also earn DQ Points for not claiming.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 8, 2013, 5:28 AM by Dean Wicks
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updated May 8, 2013, 5:28 AM
]
Home Maintenance
The Robert Group can help keep your homes in great condition and avoid unnecessary claims that arise from lack of maintenance.
Making sure walls, windows and doors are in good condition
Walls, windows and doors are an important part of any house – both indoor and outdoor. Use the list below to check walls, windows and doors for any problem areas. Being proactive about home maintenance can help you to avoid unnecessary costs.
Walls
Look for softening in the walls. This could be because of water leakage or damp and can cause the walls to crack. Contact a professional for advice if it looks as if there could be water damage in the walls.
Leaning walls may indicate dangerous structural defects. Missing mortar and bricks also point to structural defects. Contact a professional to repair any defects in the walls.
Peeling wallpaper and paint can destroy the plaster on walls. Replace wallpaper or repaint walls to make sure the plaster stays in good condition.
Windows
Look for broken glass panes, moulding around the frame and damaged window frames. Replace broken glass and damaged window frames as soon as possible.
Check that locks and latches work properly. It they don’t, contact a locksmith to fix them.
Repair any damage to the burglar bars as soon as possible.
Check whether windows are sealed properly and that there is putty around glass panels. Replace the window seals and putty if windows are not closing properly.
Check that the windows open and shut smoothly and that hinges are in good working order. Repair or replace windows and hinges if they are not shutting smoothly.
Discovery Insure Quote Request
Discovery Insure Quote Request
Doors
Check the general condition of the front door. If there are any cracks, holes or wear and tear on the door, replace or repair it as soon as possible.
Makes sure door knobs, handles and locks are in good working order and fitted correctly. Call a locksmith to repair any door knobs, handles or locks that aren’t in working order.
Make sure doors are correctly weather-proofed to avoid flooding during heavy rains. If they aren’t, contact a professional to check the weather-proofing.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
posted May 8, 2013, 5:20 AM by Dean Wicks
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updated May 8, 2013, 5:20 AM
]
You can earn 100 DQ Points a month if you do a proactive driving course
You can improve your chances of getting up to 50% back on your BP fuel spend by completing a proactive driving course with Mercedes-Benz Dynamic Driving.
Courses are available in Gauteng, and discussions are taking place to include KwaZulu-Natal and the Western Cape.
Mercedes-Benz Dynamic Driving offers two proactive driving courses:
An introductory defensive driving course for R 385.00, which covers: driving attitude, including awareness and space management; a practical training session including advice on how to conduct a vehicle inspection; and instruction on the principles of defensive driving. This course takes 150 minutes to do.
A more advanced course, which includes the introductory course plus a skidpan session, for R1 375. The skidpan session covers: loss of control, regaining control, cadence braking, ABS exercises, emergency lane changes, oversteering and understeering and vehicle orientation. It takes 270 minutes to do the advanced course.
How to make a booking
You need to have activated Vitalitydrive. If you have Vitalitydrive activated, you can contact Mercedes-Benz Dynamic Driving at 012 384 2298 to arrange to attend one of the available course sessions.
Discovery Insure Quote Request
Discovery Insure Quote Request
Mercedes-Benz Dynamic Driving will submit your results to Vitalitydrive at the end of the training day. For completing the proactive driving course, you will receive 100 DQ Points within the first week of each month for 24 months, which will reflect within 14 days.
Vitalitydrive measures your Driver Quotient (DQ) based on the number of DQ Points you earn. You can earn up to 250 DQ Points a month by taking steps to improve your knowledge and awareness with Vitalitydrive’s online tools and by completing a proactive driving course. The more DQ Points you build up, the greater their rewards, like getting up to 50% back on your BP fuel spend every month.
Get a Discovery Insure Quote
Just fill your details in the Discovery Insure quote request form on the right and a skilled Robert Group broker will contact you shortly to assist with your comparative Discovery Insure quote and will also be able to advise you how to maximise the benefits through integration with your other Discovery products.
The Robert Group are accredited Discovery Insure Brokers.
