Discovery Insure’s Young Adult Plan
Discovery Insure is committed to creating a nation of better drivers and that includes our young
adult drivers. Discovery Insure’s Young Adult Plan offers you comprehensive car insurance and
rewards you for being a safe driver.
If you are a Discovery Insure client who has activated Vitalitydrive and you are younger than 26
years you can enjoy the benefits of the Young Adult Plan. This document contains all the information
you need to understand how the Young Adult Plan works.
What is this benefit?
The Young Adult Plan is available to all primary drivers younger than 26 years. The Young Adult Plan
provides you with a combination of benefits and tools that will help you to be a safe driver. Being a
safe driver means you can earn great rewards.
Discovery Insure will provide you, the young adult and your planholder (if it’s not you) with regular
feedback on your driving behaviour. This will help you see which areas of your driving you may need
to improve on. You will receive sms feedback as well as a monthly email summarising your driving
behaviour. Using the feedback and services we provide you with, you will be able to improve your
driving, increase your rewards and have proof that you are in fact a responsible safe driver!
Who may use the benefit?
All primary drivers younger than 26 years can use this benefit. The Planholder will have to select the
Young Adult Plan option and activate Vitalitydrive on their Discovery Insure Plan.
Getting started
If you would like to become a Discovery Insure Young Adult Plan client, you may speak to your
financial adviser or contact the Discovery Insure call centre on 0860 751 751.
How do we track your driving?
Vitalitydrive uses DQ-Track, the latest motor vehicle telematics technology, to develop a scientific
measure of driver behaviour, the Driver Quotient (or DQ). Vitalitydrive measures the Driver Quotient
based on the number of DQ Points you earn.
How can you earn DQ Points and improve your Driver Quotient?
You can earn DQ points, by completing certain activities, to improve your Vitalitydrive status.
 Improving your driving; you will earn a driver performance score based on your harsh
braking, acceleration and cornering, speed, late night driving and distance travelled. You
can earn additional DQ Points by staying claim free on Discovery Insure.
 You can earn DQ Points by taking steps to improve your knowledge and awareness with your
Vitalitydrive online tools and by completing a PROACTIVE DRIVING COURSE.
 Earn DQ Points by making sure your car is roadworthy and safe to drive and that your service
history is up to date.
The more DQ Points you earn, the higher your Vitalitydrive status – the greater your rewards!
Young Adult Plan rewards
Fuel rewards
You can earn up to 50% of your fuel spend at BP back in cash. This benefit works in the same way as
the fuel reward available to all other Insure clients. However, if you have selected the Young Adult
Plan you can choose to have your fuel rewards paid directly into your Rewards Card. You will not
receive your fuel rewards in cash if the Excess Funder Account Booster option has been selected on
your Discovery Insure Plan.
In addition to your Vitalitydrive fuel rewards, if you have selected the Young Adult Plan you will have
access to additional great rewards and benefits.
The Rewards Fund
Once you have activated your Young Adult Plan we will deposit 25% of your car insurance premium
into your Rewards Fund. We will deposit this money into your Rewards Fund upfront for each six
month period. You will be issued with a Rewards card which is a Visa accredited card and can be
used in any store that accepts Visa. After six months the balance of your Rewards Fund will become
available to you on your Rewards Card for you to spend.
At the end of every month your Rewards Fund will increase or decrease according to your
Vitalitydrive status.
Young adult drivers can increase their Rewards Fund each month by driving well
Base
-R200
Neutral
R0
Engaged
R50
Advanced
R200
Overall fuel limits, terms and conditions apply. Go to www.discovery.co.za or contact us on 0860 751 751 for
additional information. Discovery Insure Ltd is an authorised financial services provider. Registration number
2009/011882/06.
At the end of every month your Rewards Fund will be reduced according to your night-time driving
kilometres. R10 will be deducted for every kilometre you drive between 23:00 and 04:30. The
likelihood of having an accident at night is ten times higher than when driving during the day so keep
yourself safe and protect your Rewards Fund by making use of our NightDriver benefit.
NightDriver for young adult drivers
The NightDriver benefit gives you access to a network of accredited home drive services. You will
receive a discount from 10% - 25% on your monthly subscription fee, on a range of offerings from
RoadTrip and SmartGuyz. Your discount will depend on your Vitalitydrive status at the time of billing.
Your NightDriver discount will depend on your Vitalitydrive status
Base
10%
Neutral
15%
Engaged
20%
Advanced
25%
If you do not want to take out a subscription you can still use SmartGuyz at any time and pay a flat
fee of R100. The first 10km will be free, after which the normal fee per kilometre will apply. If you
use the NightDriver benefit you will not have any money deducted from your Rewards Fund for
kilometres travelled in your car by the NightDriver service providers.
Premium Adjustment
You will have a premium adjustment at the end of every six months based on your kilometres of
night-time driving over the previous six month period.
Premium adjustment based on your night-time driving
Monthly average night-time kilometres
Premium increase
0-50
0%
50-100
10%
100-150
15%
150-200
20%
200+
25%
These premium adjustments are in addition to your annual premium review at plan anniversary and
will apply for a period of six months only.
How to cancel this benefit
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

You can opt into or out of the Young Adult Plan at any stage, on a monthly basis by
contacting Discovery Insure on 8060 751 751 or emailing
[email protected].
When opting out or leaving Discovery Insure the balance of your Rewards Fund, that you
have not yet used, will be lost.
When you turn 26 years, you can stay on the Young Adult Plan until the end of your current
6 month rewards cycle. After this, you will have a normal Discovery Insure Plan and you will
start receiving the embedded Excess Funder Account.
Overall fuel limits, terms and conditions apply. Go to www.discovery.co.za or contact us on 0860 751 751 for
additional information. Discovery Insure Ltd is an authorised financial services provider. Registration number
2009/011882/06.
Overall fuel limits, terms and conditions apply. Go to www.discovery.co.za or contact us on 0860 751 751 for
additional information. Discovery Insure Ltd is an authorised financial services provider. Registration number
2009/011882/06.