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Provider comparison · Updated May 2026
Discovery Insure vs Naked Insurance
How Discovery Insure and Naked Insurance compare on price, claims, products and rewards across the South African market.
Discovery Insure edges Naked Insurance on customer rating.
| Feature | Discovery Insure | Naked Insurance |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.6 |
| Average premium | R680/pm | R570/pm |
| Claims turnaround | 48h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | Naked Car |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Car, Home, Contents, Single Items |
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
Naked Insurance
AI-powered car & home cover
Naked is a digital-first South African insurer using AI and a fixed-fee model — any underwriting surplus goes to charity via Naked's Givva programme.
Strengths
- Fully app-based onboarding
- CoverPause feature
- Transparent fixed-fee model
Trade-offs
- Newer brand
- Personal lines only
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