When insuring household contents, you need to include all items in your home and insure these items for their full replacement value. This will ensure that Average is not applied at claims stage. You should consider what you would have to pay to replace the items at current prices and not the cost of the items when originally purchased.

Click to view the Discovery Insure Asset Inventory form that you can use to help you count and value the items in your home. This will determine the correct sum insured. You can also choose Discovery Insure's inventory option where a SmartService™ consultant comes to your home and assesses your contents. You will then be issued with a No Average Guarantee letter when you insure their household contents for the correct amount. The inventory option is free for clients who have household contents valued in excess of R750 000. You can contact us for further details.

Remember the optional buy up covers available under household contents, which include, but are not limited to, additional accidental damage cover and comprehensive subsidence and landslip cover.

Discovery Insure quote

Before deciding to move your insurance to Discovery Insure we recommend that you get a comparative quote which you can do by leaving your details in the Discovery Insure quote request form below.