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Provider comparison · Updated May 2026
Discovery Insure vs Stangen
How Discovery Insure and Stangen compare on price, claims, products and rewards across the South African market.
Discovery Insure edges Stangen on customer rating.
| Feature | Discovery Insure | Stangen |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.2 |
| Average premium | R680/pm | R140/pm |
| Claims turnaround | 48h | 48h |
| Pricing tier | Premium | Budget |
| Flagship product | Vitality Drive | Direct Life Cover |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Life, Funeral, Disability |
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
Stangen
Direct life insurance, no medicals
Stangen is a Liberty-group direct life insurer offering simple, no-medical life cover via online and telesales channels.
Strengths
- No medicals up to R3m
- Simple online application
- Fast underwriting
Trade-offs
- Life-only product set
- Limited rider flexibility
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