# Discovery Insure

> Car insurance that rewards good driving with fuel and transport benefits. (iPhone/iPad app by Discovery Limited.)

- Source: https://appshunter.io/ios/app/discovery-insure/id875808172 (this page in markdown: same URL + `.md`)
- Developer: [Discovery Limited](https://appshunter.io/developer/447782580)
- Category: Finance, Business
- Price: Free
- Rating: 4.00/5 from 120 App Store ratings · 63 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.0 · 311 MB
- Languages: American English
- Released: 2014-05-26
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/discovery-insure/id875808172/reviews.md

## What is Discovery Insure?

Discovery Insure offers car insurance that rewards good driving.

Through our smartphone-enabled DQ-Track, which incorporates the Discovery Insure app and our Vitality Drive telematics device, Discovery Insure clients get real-time feedback on their driving behaviour, as well as other innovative features. Drive well to get up to R1,500 in fuel rewards every month.

To start earning your monthly fuel rewards, you must install a telematics device and link it to the Discovery Insure app. Then, activate your Vitality Drive card through our Discovery Insure app and swipe it whenever you fill up at BP or Shell. You can also get rewards on your Gautrain spend when you link your Gautrain at www.discovery.co.za.

Note: The Discovery Insure app uses location services. When you are not driving, it does not use GPS. It uses battery-efficient methods to automatically determine the start of a trip and stops detailed monitoring soon after a trip ends. The app is aware of your battery life and will not start monitoring a drive if the battery is low. Although the app has been designed to use your phone’s sensors in a battery-efficient way, running the app without a charger on long trips may drain the battery.

Discovery Insure Limited is a licensed non-life insurer and an authorised financial services provider. Registration number: 2009/011882/06. Product rules, terms and conditions apply. Full product details, including limits, can be found on our website, www.discovery.co.za, or you can call 0860 000 628.

## Key features

- Rewards good driving
- Real-time driving feedback
- Monthly fuel rewards
- Telematics device integration
- Gautrain rewards
- Battery-efficient location tracking

## What do users think of Discovery Insure?

Overall sentiment: negative

**Pros**

- 💡 Great concept for improving driving
- 👍 Rewards for good driving
- 🎯 Accurate driving data (sometimes)
- 🤝 Competition with coworkers
- ✅ Option to log as passenger
- 🚀 Telematics to the next level
- 🌟 Excellent way to improve driving
- 💯 Great app and great concept
- 🏆 Fantastic app

**Cons**

- 🔋 Excessive battery drain
- 🐛 Inaccurate driving detection
- 🐛 Frequent false positives (braking, cornering, speeding)
- 🐛 App doesn't work / dysfunctional
- 🐛 Uploads not working / slow uploads
- 🐛 App crashes / won't open
- 🐛 Tracks when not driving
- 🐛 Unrealistic parameters
- 🐛 Inconsistent performance
- 🐛 Poor user interface
- 🐛 Constant "Internal Server Error"
- 🐛 Doesn't recognize vehicle type
- 🐛 Penalizes for cell phone use when not driving
- 🐛 Battery drain even when not driving
- 🐛 GPS constantly on
- 🐛 Data thief (uses mobile data)
- 🐛 No support
- 🐛 Needs improvement
- 🐛 Buggy and inconsistent algorithm
- 🐛 Pointless app
- 🐛 Total ripoff
- 🐛 Intrusive notifications
- 🐛 Rubbish
- 🐛 Blunt tool
- 🐛 Slow uploads
- 🐛 Incorrect speed limits
- 🐛 Doesn't record drive correctly
- 🐛 Drives on roads not entered
- 🐛 Misleading the nation
- 🐛 Harsh cornering on traffic circles
- 🐛 Random cell phone movement
- 🐛 Won't update
- 🐛 Poorly developed app
- 🐛 Doesn't record from start
- 🐛 Doesn't stop once stopped
- 🐛 Lost drive after restart
- 🐛 Can't add friends
- 🐛 Trips allocated random data
- 🐛 Waiting to record drive
- 🐛 Useless waste of time app
- 🐛 Stops recording randomly
- 🐛 Loses trips randomly
- 🐛 Dodgy app
- 🐛 Decidedly average
- 🐛 Excessive battery drain per 30 mins
- 🐛 Accuracy issues (records non-driving)
- 🐛 Seldom works
- 🐛 Registers jog/walk as drive
- 🐛 Needs option to register drive manually
- 🐛 Doesn't respect WiFi upload option
- 🐛 Eats mobile data
- 🐛 Doesn't immediately pick up movement
- 🐛 Doesn't stop immediately
- 🐛 Constantly uses location in background
- 🐛 Doesn't record all drives
- 🐛 Starts recording when not driving
- 🐛 No score yet
- 🐛 Needs finetuning
- 🐛 Needs major improvement
- 🐛 Needs enhancements
- 🐛 Can't skip high speed train data

**Commonly reported bugs**

- Battery drain
- Inaccurate driving behavior detection
- App doesn't work
- App deleted itself
- App doesn't recognize vehicle type
- Penalizes secondary driver for cell phone use
- App doesn't find anything
- App is dysfunctional
- App is full of bugs
- App drains battery in background
- App tracks when not driving
- App assumes sensor disabled when car idle
- Constant "Internal Server Error" on contact
- App doesn't always work
- App doesn't send info to Vitality
- Points stay at zero
- Drive not recorded
- Reason for no drive: no phone present
- System is broken
- Points not pulled into total
- Total sits on 20/750
- App doesn't work properly
- Too sensitive
- Penalized for cornering
- Heavy on battery
- Doesn't record trips for ages
- False reading on steep inclines
- Accelerometer gives false readings
- App drains battery within an hour
- Refuses to connect to sensor unless location is on all the time
- Trip notifications do not come through unless app is opened
- App is biggest consumer of phone's battery
- Loses major battery percentages even when not driving
- Makes up speed limits
- Scores for speeding
- Penalized for harsh acceleration at low speeds
- Harsh breaking and cornering detected when untrue
- Cellphone usage detected when using GPS
- Battery drain with location services always on
- No option to filter only vehicle
- App is more of a nuisance than helpful
- Additional battery drain per day
- Most recent update killed the app
- Won't open anymore
- App always using location drains battery
- Why need location when not in car
- App destroys battery life
- Pointless for app to keep tracking after stopped driving
- App was killing battery
- Revoked location access
- App used 60% of battery over 12 hours while asleep
- App kills battery
- App will kill phone's battery waiting for a trip
- Keeps GPS active
- Force kill the app helps
- Kill the app too soon deletes current trip
- Difficult scoring well driving sports car
- Telematics to the next level
- Amazingly accurate
- Pointless and useless app
- Does not work
- New version has nice look and feel
- Trips take forever to upload
- Huge backlog of uploads
- Intrusive notifications
- Background app refresh disabled notifications
- Had to delete app due to battery drain
- Incorrect speed limits
- Doesn't record drive correctly from actual start
- App recognizes speeding above certain limits
- Absolute rubbish
- Records driving on roads not entered
- Too much of a blunt tool
- Lots of problems with how it reads driving
- Traffic circles result in 'harsh cornering'
- 90 degree or more turns result in 'harsh cornering'
- Random trips state 'cell phone movement'
- Won't update even on WiFi
- Driving 100 in 100 zone classified as speeding
- Poorly developed app
- Doesn't record from start
- Doesn't stop once stopped
- Lost the drive after restart
- Can't add friends
- User interface is poor
- Trips allocated random data re: braking or accelerating
- Very poor execution
- Only 2km recorded out of 25km trip
- Location is constantly on, draining battery drastically
- Look and feel isn't the best
- Inviting friends doesn't work
- UI needs enhancements
- Constantly says "waiting to record drive"
- Starts recording trip after getting home
- Last update made issue worse
- Something seriously wrong with the algorithm
- Inconsistent detection of driving
- Doesn't record at all sometimes
- Starts recording when phone is stationary
- Algorithm is buggy
- Sometimes have to restart phone completely for it to record
- Had to reinstall app once
- Loses trips randomly
- Doesn't upload when no network connection
- Competition app is dodgy
- Battery life gone once installed
- Uses up to 20% battery per 30 minutes while driving
- Battery drain is excessive
- Accuracy issues (records non-driving)
- Phone on side board thinks it's an 8km trip
- GPS constantly on reduces battery life
- GPS should only come on when in a car
- GPS should come on when speed is faster than a certain amount
- Seldom works
- More likely to register a jog or walk as a drive
- Doesn't respect option to only upload on WiFi
- Eating through mobile data bundle
- Doesn't immediately pick up movement for 3-5 minutes
- Doesn't stop for 3-5 minutes after ending journey
- Constantly uses location even when app is closed in background
- Phone lost 35% battery in 2 hours
- GPS indicator next to battery percentage went away after deleting app
- Battery made it through the night after deleting app
- Doesn't record all drives
- Starts recording when not driving
- Still no score
- Skipping 160km/h on Gautrain
- Needs to skip high speed train data

**Most requested features**

- Fix battery drain issues
- Improve accuracy of driving detection
- Allow manual trip logging
- Detect vehicle type for better accuracy
- Only track when driving
- Stop tracking when not driving
- Code to only start tracking when Bluetooth connects to sensor
- Option to filter by vehicle type
- Fix "Internal Server Error" on contact feature
- Allow passport number for ID
- Improve user interface
- Fix data upload issues
- Fix speed limit recognition
- Fix harsh braking/cornering detection
- Fix cell phone usage detection
- Fix app not opening/crashing
- Fix trip recording issues (start/stop)
- Fix data allocation for braking/accelerating
- Fix friend invitation functionality
- Fix WiFi upload setting
- Fix background data usage
- Fix app not picking up movement immediately
- Fix app not stopping immediately
- Fix background location usage
- Fix app not recording all drives
- Fix app starting recording when not driving
- Provide a score
- Allow skipping high-speed train data
- Improve algorithm for detecting driving
- Make app stop tracking when not driving
- Make GPS only come on when in a car
- Detect driving based on speed
- Link up with existing DQ-tracker
- Add dark mode option
- Advanced analytics dashboard

## Recent user reviews (10 of 63)

All indexed reviews: https://appshunter.io/ios/app/discovery-insure/id875808172/reviews.md

### 1/5 — Over strict car nanny

*2025-07-24*

The app has two serious problems. The first is that it can drain your battery if you leave it active. The second problem is that nanny is seriously over strict and inaccurate on driving behavior. I patrol for the neighborhood watch and at 30km/h it keeps penalizing me for breaking and cornering. Don’t even start me on cell phone use. The old version was way better

### 1/5 — Drains battery

*2025-01-10, version 7.1.2*

This update is killing my phone battery. This issue was fixed with a previous version, but has been re-introduced with the latest 7.1.2 update.
Battery usage was 47% for background usage and I didn’t drive anywhere in that time. Please fix this!

### 1/5 — The app doesn’t work

*2024-12-12, version 7.1.0*

The app doesn’t work. Can’t put it on my phone screen? It was also somehow deleted

### 1/5 — Shortcomings

*2024-11-10, version 6.8.09*

1 The current app is excessively 
battery intensive 
2 It penalizes my secondary driver for cell phone use even though I am driving 
3 The app does not recognize the type of vehicle. My big Everest has much more body movement than a small car and the app sees heavy breaking and cornering where it does not exist. 80000km on the original brake pads substantiate my statement

### 1/5 — Worst app I have ever used, nothing works

*2023-07-04, version 6.2.37*

Nothing works. Can’t find anything. Dysfunctional. You can’t even call the user interface, a user interface. Full of bugs. Shocking. Only reason I am giving a 1 star, is because I could not go to zero. Do better.

### 2/5 — Work on Battery Drain

*2022-09-24, version 6.0.18*

If I must be spied on for my driving habits, please at least cut the background drain on my ios16 phone.

### 1/5 — Drains battery

*2022-09-17*

The latest version (6) drains iOS battery life. Getting background activity of 30% in iOS.

### 1/5 — Tracks you when not driving

*2022-07-06, version 5.5.38*

Huge invasion of the right to privacy. You could make it track only when driving but instead insist on always on. Not happy with this breach of my constitutional right.

### 1/5 — Soul l-sucking, joy-killing app

*2022-06-15*

If you want an app that takes all the joy out of driving this is it.  Defensive driving?  Forget about it - if a child’s ball rolls out into the road ahead don’t brake, or swerve - the app doesn’t like defensive driving.  No posted speed limits as in half the Eastern Cape?  Well you’d better assume that the speed limit is 40 kmh the whole trip otherwise you’ll end up with zero points and feeling like an idiot.  Leave your car idle for a few days?  Don’t do it, the nerds who developed this app made the app assume you’ve disabled the sensor.  Try to complain through the contact feature on the app?  Nope, it will give you a constant “Internal Sever Error” message.  DON’T DO IT!

### 5/5 — Happy car owner

*2021-06-04*

So hyped to earn points for good driving.

## Frequently asked questions about Discovery Insure

### What does the Discovery Insure app do?

The Discovery Insure app works with a telematics device to monitor your driving behavior. It provides real-time feedback to help you improve your driving and rewards you for good driving habits with fuel and transport benefits.

### How do I earn fuel rewards?

To earn fuel rewards, you need to install a telematics device, link it to the Discovery Insure app, and activate your Vitality Drive card. You can then swipe your card when filling up at participating fuel stations to receive rewards.

### Is the app free to use?

Yes, the Discovery Insure app is free to download and use. The associated costs would be for the car insurance policy itself and potentially the telematics device, depending on the product terms.

### Does the app use a lot of battery?

The app is designed to be battery-efficient, using methods that automatically determine trip start and stop times without constant GPS usage. However, on very long trips without charging, it may contribute to battery drain.

### What are the benefits of using this app?

The primary benefit is earning monthly fuel rewards and potential transport rewards by demonstrating good driving. It also provides valuable insights into your driving habits, helping you become a safer driver.

## Version history (last 5 releases)

### 2026.07.11 — 2026-08-21

General bugfixes and enhancements

### 2026.07.10 — 2026-08-11

General bugfixes and enhancements

### 2026.06.11 — 2026-07-21

General bugfixes and improvements

### 2026.06.10 — 2026-07-03

General bug fixes and enhancements

### 2026.05.11 — 2026-06-15

General bug fixes and enhancements

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## More apps by Discovery Limited

- [HealthID](https://appshunter.io/ios/app/healthid/id447782577)
- [Discovery](https://appshunter.io/ios/app/discovery/id458077762)
- [Fitness Facility](https://appshunter.io/ios/app/fitness-facility/id663230734)
- [AvisBudget SafeDrive](https://appshunter.io/ios/app/avisbudget-safedrive/id1261521703)
- [Remedi Health](https://appshunter.io/ios/app/remedi-health/id1474344250)

All apps by Discovery Limited: https://appshunter.io/developer/447782580

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*