Our tailored insurance solutions for different industries

We therefore created tailored solutions to help these industries manage the unique risks they face daily, including newly emerging risks.

Heavy commercial vehicles

Heavy commercial vehicles are unlike other vehicles. They are exposed to different risks due to the top heavy nature of the vehicles themselves, the value of items they carry, and the risk of fatigue and distracted driving.

We tailored a product to help our clients with financial protection, and also help them keep safe physically. The Heavy commercial vehicles product offers clients:

• Customised optional cover and benefits
• Up to 40% of their vehicle premiums back for managing their fleet well
• Up to 50% discount on tyre solutions and wheel alignment
• Vitality Health Checks for drivers at no additional premium
• A discounted rate on consulting services to help them meet the Road Transport Management System (RTMS) requirements
• Market leading vehicle technology, the Vitality DriveView device. This device measures driving behaviour, offers a camera solution, vehicle safety features, as well as an online fleet portal to help clients manage their vehicle fleets well.

We are excited to announce that our Vitality DriveView device is going live in November 2021. Clients with heavy commercial vehicles on the Vitality Drive for Business programme can now get this device installed and get access to the superior features it offers.

Fuel retailers

According to the South African Petroleum Industry Association (SAPIA), the fuel industry contributes about 6% to the country's gross domestic product (GDP) and supplies about 18% of South Africa's primary energy needs¹. Because this industry is so vital we offer fuel retailers numerous cover options to protect their business. These cover extensions and innovations include:

• Extended cover under the Fire section, including cover for fuel leakage, damage to underground tanks and deterioration of refrigerated stock
• Extended cover under the Theft section, including cover for theft of fuel where a customer fails to pay for fuel dispensed and theft of forecourt stock without forcible and violent entry
• Extended cover under the Money section, including cover for airtime vouchers, Lotto tickets and scratch cards
• Automatic embedded covers under the Public liability section, including R1 million Pollution liability cover.

Restaurant owners

The need for financial protection in this industry is clear. As a result of the COVID 19 lockdown restrictions, more than 1 100² restaurants and eateries in South Africa have closed down. To help restaurant owners get the best protection for their restaurants, we offer them bespoke cover tailored to their industry.

Our Restaurant owners' product includes the following cover and benefits:

• R100 000 business interruption cover, following physical damage to property
• R50 000 restaurants' reputation management cover
• R25 000 customer loyalty benefit after a traumatic crime event
• Cyber and accidental damage cover for their point of sale devices
• An automatic 15% increase in cover for the Fire Stock, Theft and Money sections during peak periods
• An extension of cover to third party premises and to stock kept at multiple premises.

In addition to the specific benefits mentioned above, all Discovery Business Insurance clients can get up to:

• 50% of their MTN business data spend back for managing their business well
• 30% of their vehicle premiums back for driving well.

Our clients can also access a host of our partners at preferential rates by completing the Business Health Check.

For more information, please read our Heavy commercial vehicles product brochure, Fuel retailers' product one pager, and Restaurant owners' product brochure.