Get the right cover for your car and home

As much as year-end typically means looking back on the past years' experience, it also gives us an opportunity to look forward.

Whether or not you are the type of person that likes to set new year's resolutions; taking the time to review your current insurance coverage and assess if you are truly getting the most out of your plan is a good idea. After all, your needs may have changed; so your plan needs to match up. Take a look at two ways you can boost coverage for both your home and vehicle.

With the frequent power outages, reconsider your building insurance

Often when one thinks of home insurance, we think of the things inside the house that make a house a home. Home insurance is about so much more than just what we can fill our homes with. It's also about the structure itself.

Discovery Insure can provide you with peace of mind and financial security for your most valuable asset: your home. Building insurance is critical for you to preserve your financial position regardless of whether your property is financed or not. In the event of accidental damage, fire, hail, flooding, and other extreme weather conditions; building insurance ensures that you are covered for all the necessary repair or replacement of your building. This includes damage to your building as a result of power surge when electricity comes back after an outage.

Here are some unique benefits, tools and services you'll get access to with building cover from Discovery Insure:

• You pay no excess if you have a valid claim for loss or damage caused by weather-related or malicious damage, if you have taken out a Classic or Purple Plan
• You pay no excess if you are 55 years or older.
• You have complete excess flexibility and can adjust your excess based on your needs.
• You'll have access to emergency electricity, plumbing and locksmith services with Home Assist.
• All plans include power surge cover up to the sum insured.
• And... if you already have Vitality Drive on your comprehensive motor insurance cover, you could be earning DOUBLE your fuel cash back each month. All you have to do is add home insurance (building or household contents insurance) of more than R250 000 to your Discovery Insure Plan to boost your fuel cash back percentage.

Are you sufficiently covered for electrical failures and mechanical breakdowns on your car?

The standard car insurance plan does not cover mechanical breakdowns or electrical failures. This is where a warranty plan comes in. Discovery Insure's Vehicle Warranty is the perfect benefit for you when your car's manufacturer warranty is about to expire or has expired. It gives simple yet comprehensive cover for mechanical breakdown, electrical failure, as well as wear and tear for 36 of your vehicle's critical components. This includes no cover limit for components such as the engine, cambelt, gearbox, GPS navigation system and turbo to name a few. You are only limited by the value of your car.

Better still, you can get up to 100% off your yearly servicing and maintenance costs.

With our Vitality Drive programme, we are the first to offer a telematics-based vehicle warranty. You can get up to 50% off your yearly servicing and maintenance costs, limited to R5 000 spend, when you take your car to an approved dealership.

Plus, you can double your discount up to 100%, if you service your car at any Motus network or Bosch dealership. With over 270 dealerships in South Africa, servicing your car within our discounted network has never been this easy or convenient.

Does your car qualify for our vehicle warranty?

To qualify, your car must:

• Have comprehensive vehicle insurance with Discovery Insure
• Be less than 10 years' old
• Have driven less than 250 000 km
• Have an up-to-date service history.

Speak to your adviser or call us on 0860 751 751 to enquire about getting building insurance and Discovery Insure's Vehicle Warranty today.