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Provider comparison · Updated May 2026
Discovery Insure vs Old Mutual
How Discovery Insure and Old Mutual compare on price, claims, products and rewards across the South African market.
Discovery Insure edges Old Mutual on customer rating.
| Feature | Discovery Insure | Old Mutual |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.3 |
| Average premium | R680/pm | — |
| Claims turnaround | 48h | 96h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | Greenlight Life |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Funeral, Life, Investments, Short-term |
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
Old Mutual
Africa's oldest financial brand
Founded in 1845, Old Mutual is a pan-African financial services group with deep roots in life, funeral and savings products.
Strengths
- Trusted 175-year brand
- Wide product range
- Funeral & life leader
Trade-offs
- Slower digital tooling
- Traditional broker channel
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