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Provider comparison · Updated May 2026
Discovery Insure vs FNB Insurance
How Discovery Insure and FNB Insurance compare on price, claims, products and rewards across the South African market.
Discovery Insure edges FNB Insurance on customer rating.
| Feature | Discovery Insure | FNB Insurance |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.3 |
| Average premium | R680/pm | R660/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | Smart Car Insurance |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Car, Home, Life, Funeral |
Discovery Insure
Behaviour-based rewards & telematics
Part of the Discovery Group, Discovery Insure pioneered shared-value insurance in South Africa, rewarding safer driving and healthier living through Vitality.
Strengths
- Vitality fuel cash-back up to 25%
- Strong claims technology
- Unlimited roadside
Trade-offs
- Higher entry-level pricing
- Best value requires app engagement
FNB Insurance
Bank-linked short-term cover
FNB Insurance offers short-term and life cover bundled with FNB banking, with eBucks rewards and in-app policy management.
Strengths
- eBucks rewards
- Seamless banking integration
- Easy app management
Trade-offs
- FNB customers only for best rates
- Underwritten by partner insurers
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