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Provider comparison · Updated May 2026
Discovery Insure vs Pineapple
How Discovery Insure and Pineapple compare on price, claims, products and rewards across the South African market.
Discovery Insure edges Pineapple on customer rating.
| Feature | Discovery Insure | Pineapple |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.5 |
| Average premium | R680/pm | R540/pm |
| Claims turnaround | 48h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | Peer-to-peer Car |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Car, 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
Pineapple
Peer-to-peer car insurance
Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.
Strengths
- P2P model returns unused premium
- Modern app
- Photo-based onboarding
Trade-offs
- Mostly car & contents
- Limited cover for high-value risks
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