Active since Mar 2009
I find it incredibly disappointing to write a negative review about Discovery Insure, but unfortunately due to the actions of some of the customer service representatives I feel it necessary to share my experience. Until last year I was a Discovery Insure customer of several years and actively engaged in their driver rewards program. I diligently followed the program and maintained the highest level of rewards year on year and personally remained accident free for the entire time I was insured with Discovery Insure. My ex-wife was covered under the same policy and even though she also engaged in their Driver program, was involved in some vehicle accidents. I immigrated last year and have been requesting my personal no claim history from Discovery Insure. All they have provided is a policy claim history document which is lacking of much detail, such as the driver involved in the incident. Discovery informed me that their system generates the report and they can't add any additional fields to the report. I then asked if Discovery would please provide the individual accident reports. I received a letter from Discovery saying to allow 24-72 hours for the claims department to provide this information. This was almost a week ago and subsequent even after two follow up emails I have had no response from Discovery Insure other than a automatic system generated email response saying that my request will be dealt with by one of their agents. I find it so disappointing that even though I was a no claim driver, Discovery would make no effort to provide me with this information which would count adversely when trying to get a new insurance policy abroad. I find this behavior from Discovery nothing less than malicious.
Ryanair is one of the worst airlines I have travelled with. Our flight was over an hour late with absolutely no communication to the passengers. I tried to download their in-flight magazine to look for some snacks and refreshments, but the magazine just doesn't download. While taxiing to the runway, the pilot slammed the breaks causing everyone to jolt forward - again no communication to the passengers or even an apology. Disgusting airline. I would definitely not recommend Ryanair.
FNB strong armed me into taking a credit protection policy which remains at the same cost throughout the diminishing loan amount at the point of sale for the loan. I advise you to steer as far away as possible from this ridiculously overpriced service. It costs more than a life assurance policy for the same amount and is in my opinion a trap.
I am not sure how many of you reading this have also experienced problems in getting your cashbacks out of Discovery Vitality. I have had numerous problems with Discovery paying fuel rewards as well as healthy food rewards in the past number of years. Whenever there is a system glitch or whatever you want to call it, Discovery will never contact you by any means to say that they had an error and that the rewards that were due to you will be paid out timeously. You are always the one who will have to check on your rewards and then you have to query it with them. This is such a dishonest practice in my opinion. They don't own up to their own faults. I have been with Discovery for the better part of four years now, we have Medical Aid, Car & Home Insurance, Life Policies and were members of Vitality paying our last premium at the end of July - for those of you who have not been Vitality members before, you need to give 30 days notice before you can cancel. They will collect your premium in the last month but will give you absolutely no benefits from the day the 30 day notice period begins. In other words - you will pay for a service but receive nothing in return. I find that disgraceful and an indication of the moral perspective of the decision-makers at Discovery Vitality. It has been the most stressful company to have to deal with. It is not the staff who you speak to at the call centre who are at fault here - for the most part they are delightful but is rather the management team who do not have to deal with the angry customers who are at fault. To add salt to the wound, Discovery Vitality had a glitch in their own system again in June and cashback rewards were not paid out to us as they should have been. We queried this in June and were told in true Discovery style that we would have to wait till the next cash-back payout in July to receive our June rewards. We requested that the matter be escalated to a manager because we don't know why we should we wait a further 30 days to receive our cash-back rewards when they collect our premiums on time every time and without fail. This seems a bit unilateral to me. I have never missed a premium payment with Discovery. Will your cover be intact if you miss a payment? Further to this and following not receiving a call back from anybody at Discovery, our rewards were not paid out in July as promised. Once again we have to phone Discovery and follow up. This company is so dishonest and for me not trustworthy at all. Discovery makes a very loud noise about the good they do, but shrug the bad under the carpet and treat their customers like numbers in their overpriced products. Discovery also taps way to much into your personal life - wanting to "big-brother" you with all the analytics they collect from your data. I am so tired of having Discovery control at what time of night I can drive my car. I'm not looking for you to 'police' me thank you Discovery. I am a 47-year-old man who drives responsibly, do my best to look after my own health, and am really tired of all of the administration I have to do as your customer. If you need to cash grab a few hundred bucks from your customers by not doing what is right, then how can you expect to keep them. Thank you for reading my perspective on Discovery. If you are considering partnering with them, I urge you to read all the fine print. Don't just go on all the shiny bells and whistles nonsense they market consistently in your face. It is a much deeper and sordid experience in dealing with this conglomerate.
If I can give you a suggestion, it will be to rather consider alternatives to Discovery Insure for short-term insurance. I was absolutely horrified to discover that discovery insure had increased the third party and theft insurance on one of our vehicles which remains parked by 96.9% in two years. The greatest increase I saw in last year's premium increase, in the midst of the first Covid pandemic wave, where they increased the insurance by 80.4% from the previous year. We have never had a claim on this particular vehicle and it is only really insured for third party as we don't have a tracking unit in the vehicle. I cannot trust a company that does this. We also amended my wife's life insurance policy two months ago in a effort to reduce her premium. Discovery has been charging her the same premium since the change even though they had quoted he over R135 less than her previous policy amount. Discovery we found to be the most expensive insurance company and with diminishing value. We have already cancelled our Vitality as Discovery suddenly started reducing the benefits if you weren't a member of their newly formed bank. No Discovery, this is not good practice - we are in the process of looking to replace all the policies we have with your organisation. If we have learned anything over our history with you as our chosen insurer is that you are definitley not trustworthy and your terms and conditions are unilaterally beneficial to Discovery alone.
Be extremely wary of this company - it is a scam - they are in cahoots with a fictitious SANRAL regarding an RFQ for Street Lights (KVE 700BT). The company does not exist and they are part of a scam.
How disgusting is this - if you cancel your Discovery Vitality benefit, you are required to give 30 days notice (no problem with that) and Discovery will collect a further premium from you, but they will not give you any of the benefits you are paying for, for the month that you cancel in - in other words, they will charge you for membership for the month but not give you any benefits for the month. How unilaterally unfair is that. It disgusts me. Discovery - your numbers are dwindling. This is just further motivation for me to cancel more of the policies I have with you.
This is the worst store to go shopping at. The prices displayed online do not match what is in store. Meat packers are handling dry words with no gloves. It is a con when a customer looks up the prices of goods online to do their budget only to find out that they are not available in stores. More than that, Pick n Pay's "Epic Sale" price on Jacob's Coffee is the same as the normal price in other stores. This store seems out to confuse customers so they can up their profits!!! Pick n Pay you disgust me.
Thank you Tasmina Nair for outstanding service. Tasmina listened carefully to my query regarding my annual policy review and provided a solution I am satisfied with. Thank you Discovery for your continued efforts to be the leading insurance provider.
eBucks - what an absolute ball of ****. In 2 years FNB has managed to whittle down the rewards we were earning from almost covering our monthly account fees to now maybe earning between R15 to R50 per month. The amount of things you have to do to earn keeps changing and increasing. The value has almost completely gone for us. Why do we have to keep taking on new products, changing our account (Private Clients to Fusion) - Why do they keep changing things so we earn less and less rewards??? First we must get more indebted by taking out RCP's and loans to benefit from FNB's eBucks reqards, not I need life insurance, to change my account - how about we just look for a better bank!! FNB - I have been a customer of yours for around 10 years now, my wife since she was 16. This is not an incentive to stay with your bank, but rather an aggravation as I can see you guys slowly taking more and more away from your customers while offering less and less value. What a con!!!
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