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Provider comparison · Updated May 2026
Discovery Insure vs Lombard Insurance
How Discovery Insure and Lombard Insurance compare on price, claims, products and rewards across the South African market.
Discovery Insure edges Lombard Insurance on customer rating.
| Feature | Discovery Insure | Lombard Insurance |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.2 |
| Average premium | R680/pm | R850/pm |
| Claims turnaround | 48h | 72h |
| Pricing tier | Premium | Premium |
| Flagship product | Vitality Drive | Bond & Guarantees |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Surety Bonds, Engineering, Liability, Commercial |
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
Lombard Insurance
Specialist surety & niche cover
Lombard Insurance is a South African specialist insurer best known for surety bonds, guarantees and niche commercial lines.
Strengths
- Leading surety bond provider
- Specialist underwriting
- Strong commercial relationships
Trade-offs
- Mostly commercial & surety focus
- Limited personal cover
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