Discovery Insure Plan: Motor Vehicle Excesses

A policyholder has a basic excess of $1000 and chose an additional excess of $500. If they submit a claim for $3000, what amount will they receive, assuming no benefit limits apply?

If an insurer applies an additional excess to a policy, what is the policyholder's excess amount payable for an insured event?

A policyholder has a basic excess of $500 and a benefit limit of $5000 on a specific claim. If the claim amount is assessed at $6000, what is the maximum payout the policyholder can receive?

What is the relationship between the Discovery Insure Plan Schedule, the Discovery Insure Plan Guide, and any annexures?

How do benefit limits affect the settlement of a claim?

Under the Essential Plan, what is the basic excess for windscreen and window glass replacement, excluding any voluntary excess?

A 60-year-old driver has the Core Plan. What is their basic excess for accidental damage to their vehicle?

If a driver with the Classic Plan uses their vehicle for an incorrect class of use, what additional excess will they face?

What is the excess for windscreen repairs under the Purple Plan?

A policyholder with the Essential Plan experiences theft of specified extra sound equipment from their vehicle. If the driver is 40 years old, what is their excess?

Under which plan(s) is the basic excess for theft, attempted theft, or hijacking potentially R0, excluding any voluntary excess?

A driver with the Core Plan needs to replace their vehicle keys and remote after they were damaged (not during theft or hijacking). What is their excess?

For a driver under 55 years old, which plan offers the lowest basic excess for windscreen replacement, excluding any voluntary excess?

What is the primary difference in motor vehicle excess between the Core Plan and the Essential Plan concerning theft and hijacking?

A policyholder with the Purple Plan, whose primary driver is 60 years old, has their car keys stolen (not during a hijacking). What excess applies to replace the locks and remote?

If a vehicle covered under the Classic Plan is involved in an accident caused by a driver under the age of 55 and results in accidental damage, what is the minimum basic excess amount, assuming no voluntary excess is selected?

Which plan has a different excess structure based on the driver's age (55 years or older) for both 'loss of keys' and 'theft of sound equipment'?

A policyholder with the Core plan gets into an accident, resulting in R20,000 worth of damages. It is found that the class of use was incorrect as displayed on the plan schedule. How much additional excess does the policy holder have to pay?

How does the excess for warranty claims differ across all the listed plans?

A driver with the Essential Plan has their car stolen. They are 40 years old. What is the basic excess, excluding any voluntary excess?

Excess Annexure

Basic Excess

Additional Excess

Benefit Limits

Claim Settlement

What is an Excess?

Motor Vehicle Basic Excess (Core Plan)

Core Plan Excess Amount: Accidents

Essential Plan Excess Amount: Accidents

Classic Plan Excess Amount: Accidents

Purple Plan Excess Amount: Accidents

Motor Vehicle Basic Excess (Core Plan)

Core Plan Excess: Windscreen Replacement

Essential/Classic/Purple Plan Excess: Windscreen Replacement

Windscreen Repairs Excess

Warranty Basic Excess (All Plans)

Scratch and Dent Excess (All Plans)

Loss of Keys Excess (All Plans)

Incorrect Class of Use Excess

Core Plan Excess: Over 55 Years