Get the new year in gear - make sure your valuables are covered

As the holidays become a distant memory and you settle back into your routine, it's important to ensure your new possessions are protected. Whether you've got a new car, the latest smartphone, or other valuable items, making sure they're insured can prevent unpleasant surprises down the road.

Proactively insuring your valuables isn't just about protecting them against theft. It's also about being prepared for whatever the year may bring. Reviewing your insurance needs at the start of the year ensures your cover matches your needs and lifestyle.

Here's what should be top of mind.

Make sure your car has the right cover

Whether it's just off the showroom floor or pre-loved, your wheels must be insured. Discovery Insure offers four car insurance plans: Core, Essential, Classic and Purple.

All plans offer comprehensive car insurance, rewards for driving well with Vitality Drive, trauma support, and emergency roadside assistance.

Depending on your plan choice, you can also benefit from:

• No excess for theft-related and weather-related claims, or if an insured third party causes an accident
• Car hire for up to 30 days when you claim
• Uber benefits
• Personal liability cover

You can also add Discovery Insure's Vehicle Warranty which offers comprehensive mechanical breakdown and electrical failure cover, and wear-and-tear cover for 36 critical vehicle components.

Scratches on your vehicle can happen at anytime, whether you are doing your school pick ups or parked at the mall. With our Scratch and Dent cover you are protected against minor damage to your vehicle's body such as chips, dents and scratches. Our cover is tailored to ensure that you are charged a premium associated with your risk profile. Vitality Drive clients can get a boost of up to 25% on their cover limit.

Protect your home

Is your home adequately insured? With the potential return of loadshedding and the rainy season upon us, now is the time to check if your household contents and building insurance meet your needs - so that you don't have to deal with any 2025 curveballs.

Discovery Insure's household contents insurance covers your valuables for theft and weather-related claims, with no excess on Classic and Purple plans. You also get on-call access to an emergency locksmith, electrician or plumber.

The outside of your home is just as important as the inside. Our building insurance provides cover for extreme weather, damage to gardens, swimming pools, boreholes and more. Plus, with possible loadshedding, our power-surge protection safeguards your home and its contents, giving you peace of mind.

Don't forget about your portable possessions

Maybe you bought a new laptop, or it was time for a prescription sunglasses update. It's easy to forget about insuring portable possessions - until something's goes missing from your bag or car. Discovery Insure's portable possessions cover includes:

• Clothing
• Camera and media devices
• Computing equipment
• Mobile communication devices
• Jewellery and watches
• Pedal cycles

Our cover has added benefits, like being able to choose how much excess you'd want to pay or using your jeweller of choice when repairing or replacing items. That's because we believe in giving you more.

Start the year with peace of mind by making sure you have enough cover in place.

To update your cover, call us on 0860 751 751 or speak to your financial adviser.