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Domestic Comparison Table

Product Features
Mutual & Federal
Mutual & Federal

Discovery

New National
---BUILDINGS---
Subsidence & Landslip CoverYes - LimitedYes - LimitedYes - Limited
Geyer wear & tear coverAvailable at additional premium
Accidental damge to fixed MachineryAvailable at additional premium up to R250 000 for machinery for pool, Jacuzzi's gate motors etcIncluded
Power SurgeAvailable at additional premium up to R250 000 Included
---CONTENTS---
Subsidence & Landslip CoverYes - LimitedYes - Limited
Comprehensive cover available at additional premium and engineers report
Business goodsLimited cover for business items such as PC's, printers, desks etc. kept in the home
Accidental Damage & Power Surge CoverIncluded up to R10 000. More cover available at additional premiumIncluded under executive plan and optional under lower plans. Power Surge included under all plans.
Jewellry & Precious metalLimited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.Limited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.Limited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.
SecurityMinimum security is burglar bars on all opening windows and security gates on all external doorsMinimum security is burglar bars on all opening windows and security gates on all external doorsMinimum security is burglar bars on all opening windows and security gates on all external doors
---ALL RISKS---
Locked Boot/Compartment clauseApplies
Valuation certificates
Required every 2 years for jewelry itemsMust make use of Discovery's service provider for valuation
Item Limit
As per specified amount or 25% of the general item sum insured if not specifiedAs per specified amount or 25% of the general item sum insured if not specified
Remote Jamming/Blocking
Not coveredNot covered
Subsidence & Landslip Cover
---PERSONAL LIABILITY---
Limits availableUp to R20 000 000.00
---MOTOR---
Basis of settlementInception value for 5 years then retail in year 6 for next 5 yearsMarket, Retail or agreed value basis
Credit Shortfall CoverAvailable at additional premiumIncluded up to insured amount
Tyresure CoverAvailable at additional premium
Car Hire/Loss of use CoverAvailable at additional premiumAvailable at additional premium for entry level plan and included in executive plans or Uber Benefit
Motor WarrantyAvailable at additional premium
Scratch & Dent CoverAvailable at additional premium
Territorial LimitsSouth Africa, Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland, Zimbabwe & Zambia - Subject to repatriation clauseSouth Africa, Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland, Zimbabwe, Angola, DRC, Kenya, Rwanda, Tanzania & Zambia - Subject to repatriation clause
Tracking DeviceCompulsory for vehicles in excess of R300 000.00
Sound EquipmentNot covered unless insured separatelyCovered - no need to specify
Vehicle InspectionsNot requiredNot required for brand new vehicles bought at an approved dealership
Accident TowingMust use insurer's call otherwise towing limited to R2 500.00Must use insurer's call otherwise towing limited to R2 500.00
Driver Restriction?No - Any licensed driver allowed to drive the insured vehicleNo - Any licensed driver allowed to drive the insured vehicle unless stated otherwise on policy
---VALUE ADDED COVER---
Cash Bonus payout for no claims10% of your premiums after 36 monthsFuel rewards for good driving behavior managed by system installed in vehicle by Discovery
Bereavement ExpensesAvailable at additional premium
Hospital Cash PlanAvailable at additional premium
Mechanical & Electrical Breakdown CoverAvailable at additional premium
Premium WaiverAvailable at additional premium
Identity TheftAvailable at additional premium
Identity TheftAvailable at additional premium
Emergency AssistanceAvailable at additional premium Included
Claims Preparation CostsR1 000.00 per claim
Watercraft & Motor CyclesCover available upon requestCover available upon request
Political Riot CoverAvailable at additional premium.
Highly recommeded
Available at additional premium.
Highly recommeded
Excess WaiverAvailable at additional premium for Buildings, Contents & Motor
---CONDITIONS---
Average/Under-insuranceApplies to Buildings and contents sectionsApplies to Buildings and contents sections
DisclosureApplicable
Premium PaymentMonthly via debit order or annual - Cancel automatically if debit order stopped Monthly via debit order or annual - Cancel automatically if debit order stopped Monthly via debit order or annual - Cancel automatically if debit order stopped
Insurable Interest
Subsidence & Landslip Cover
Disclosure
Product Features
Mutual & Federal
Mutual & Federal

Discovery

New National
---BUILDINGS---
Subsidence & Landslip CoverYes - LimitedYes - LimitedYes - Limited
Geyer wear & tear coverAvailable at additional premium
Accidental damge to fixed MachineryAvailable at additional premium up to R250 000 for machinery for pool, Jacuzzi's gate motors etcIncluded
Power SurgeAvailable at additional premium up to R250 000 Included
---CONTENTS---
Subsidence & Landslip CoverYes - LimitedYes - Limited
Comprehensive cover available at additional premium and engineers report
Business goodsLimited cover for business items such as PC's, printers, desks etc. kept in the home
Accidental Damage & Power Surge CoverIncluded up to R10 000. More cover available at additional premiumIncluded under executive plan and optional under lower plans. Power Surge included under all plans.
Jewellry & Precious metalLimited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.Limited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.Limited to one third of contents sum insured. These must be kept in a safe when not worn and a valuation certificate must be produces when claiming.
SecurityMinimum security is burglar bars on all opening windows and security gates on all external doorsMinimum security is burglar bars on all opening windows and security gates on all external doorsMinimum security is burglar bars on all opening windows and security gates on all external doors
---ALL RISKS---
Locked Boot/Compartment clauseApplies
Valuation certificates
Required every 2 years for jewelry itemsMust make use of Discovery's service provider for valuation
Item Limit
As per specified amount or 25% of the general item sum insured if not specifiedAs per specified amount or 25% of the general item sum insured if not specified
Remote Jamming/Blocking
Not coveredNot covered
Subsidence & Landslip Cover
---PERSONAL LIABILITY---
Limits availableUp to R20 000 000.00
---MOTOR---
Basis of settlementInception value for 5 years then retail in year 6 for next 5 yearsMarket, Retail or agreed value basis
Credit Shortfall CoverAvailable at additional premiumIncluded up to insured amount
Tyresure CoverAvailable at additional premium
Car Hire/Loss of use CoverAvailable at additional premiumAvailable at additional premium for entry level plan and included in executive plans or Uber Benefit
Motor WarrantyAvailable at additional premium
Scratch & Dent CoverAvailable at additional premium
Territorial LimitsSouth Africa, Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland, Zimbabwe & Zambia - Subject to repatriation clauseSouth Africa, Botswana, Lesotho, Mozambique, Malawi, Namibia, Swaziland, Zimbabwe, Angola, DRC, Kenya, Rwanda, Tanzania & Zambia - Subject to repatriation clause
Tracking DeviceCompulsory for vehicles in excess of R300 000.00
Sound EquipmentNot covered unless insured separatelyCovered - no need to specify
Vehicle InspectionsNot requiredNot required for brand new vehicles bought at an approved dealership
Accident TowingMust use insurer's call otherwise towing limited to R2 500.00Must use insurer's call otherwise towing limited to R2 500.00
Driver Restriction?No - Any licensed driver allowed to drive the insured vehicleNo - Any licensed driver allowed to drive the insured vehicle unless stated otherwise on policy
---VALUE ADDED COVER---
Cash Bonus payout for no claims10% of your premiums after 36 monthsFuel rewards for good driving behavior managed by system installed in vehicle by Discovery
Bereavement ExpensesAvailable at additional premium
Hospital Cash PlanAvailable at additional premium
Mechanical & Electrical Breakdown CoverAvailable at additional premium
Premium WaiverAvailable at additional premium
Identity TheftAvailable at additional premium
Identity TheftAvailable at additional premium
Emergency AssistanceAvailable at additional premium Included
Claims Preparation CostsR1 000.00 per claim
Watercraft & Motor CyclesCover available upon requestCover available upon request
Political Riot CoverAvailable at additional premium.
Highly recommeded
Available at additional premium.
Highly recommeded
Excess WaiverAvailable at additional premium for Buildings, Contents & Motor
---CONDITIONS---
Average/Under-insuranceApplies to Buildings and contents sectionsApplies to Buildings and contents sections
DisclosureApplicable
Premium PaymentMonthly via debit order or annual - Cancel automatically if debit order stopped Monthly via debit order or annual - Cancel automatically if debit order stopped Monthly via debit order or annual - Cancel automatically if debit order stopped
Insurable Interest
Subsidence & Landslip Cover
Disclosure