Discovery Business Insurance

Discovery Business Insurance is a service designed to allow clients and businesses to operate at an optimal level whilst being assured that all important aspects of the business are covered.

Through comprehensive business insurance and innovative technology solutions, Discovery Business Insurance offers a 24/7 claims service, including immediate IT assistance. With additional features offered such as cashback on data and the return of monthly vehicle premiums, the incentives are never-ending and the rewards simply don’t stop.

Property and Accident Insurance

Business assets are one aspect that makes a business valuable and in need of protection. With Discovery business insurance, the Property and Accident category offers cover for the business property against loss, damage, or theft. This includes:

• Office contents
• Accounting records
• Electronic equipment
• Business all risks
• Money
• Glass
• Goods in transit and business interruption

Along with this, in the case of an insured event, the cover is offered for theft or embezzlement of money, stock, or property by employees.

A special feature that must be highlighted here, is the Advanced Risk-Assessment Technology and Thermal Imaging, which is used to detect electrical faults and provides online tools to self-assess risk.

Business Interruption Insurance

With the unpredictability of life, one can never cover too many aspects of a business when it comes to ensuring a smooth flow of business operations. With business interruption insurance, businesses are covered for those unforeseen moments that can bring operations to a halt. Cover in this regard is offered for:

• Material damage to property
• Theft
• Damage to electronic equipment
• Theft of or damage to insured vehicles

Getting from A to B could not be more essential for any type of business when it comes to meeting customers' needs, which means business vehicles need to run at an optimal level.

With Discovery Business Insurance, comprehensive insurance cover for all business vehicles is offered, as well as special rewards and features.

Cover and special features

• Online Fleet Portal: This allows businesses to track company vehicles in real-time and an opportunity to analyze and manage the driving behavior of company drivers.
• Retail Value Booster: In the unfortunate case of an accident where the business vehicle is written-off, stolen or hijacked, businesses have the opportunity to get the business vehicle’s retail value plus 15% back.
• Write-Off Accelerator: This allows businesses to write off business vehicles at a lower damage level.

Some good incentives never did any harm when it comes to encouraging drivers to excel whilst on the clock. This is where Discovery business insurance in South Africa offers businesses a range of rewards that entitles businesses to:

• Getting up to 30% of business vehicle premiums back.
• Get up to 50% discount purchases at Tiger Wheel and Tyre when purchasing tyres, batteries, and wiper blades.
• Drivers can also get weekly rewards in the form of airtime or data vouchers, a meal, coffee, or a smoothie.

The road can be a dangerous and unpredictable place to be, which means that safety is key for drivers to be able to function efficiently and guarantee a productive day within the business.

Through the Unique Safety Features, businesses have access to:

• Impact Alert: This allows for immediate emergency assistance if Discovery Business Insurance detects severe impact to the vehicle insured, despite the possibility that the driver may not be contactable.
• Find My Vehicle: One of the tech-savvy elements of Discovery Business Insurance is the use of the Vitality Drive online fleet portal, which can find any business vehicle in real-time.
• Vehicle Panic Button: This above and beyond safety feature will ensure all drivers are accompanied with a sense of security whilst out on the road. The feature simply turns the driver’s phone into a panic button which allows them to request immediate assistance in the case of a vehicle emergency.