Comparison

Discovery Insure vs Fedgroup

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Discovery Insure

This app provides car insurance that rewards safe driving habits. It uses smartphone technology and a telematics device to track driving behavior, offering real-time feedback and monthly fuel rewards. Users can also earn rewards on public transport by linking their accounts.

Highlights
  • Rewards good driving
  • Real-time driving feedback
  • Monthly fuel rewards
  • Telematics device integration
  • Gautrain rewards
  • Battery-efficient location tracking
Features
Read full description

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.

About

Fedgroup

Invest in farming ventures and traditional financial products to grow your wealth. Manage your portfolio, track performance, and access tax-free savings and unit trusts. Connect with a financial advisor for personalized guidance.

Highlights
  • Invest in Impact Farming assets
  • Purchase Secured Investments
  • Access Tax-Free Savings
  • Invest in Unit Trust Funds
  • View all investments
  • Connect with financial advisors
Read full description

Download the Fedgroup App now and put your financial future in the palm of your hand. Whether you are purchasing an Impact Farming asset or investing in a Secured Investment to balance your portfolio, we have created a holistic platform to help you make better decisions with your money. Purchase Impact Farming assets and invest in traditional investments: Fedgroup’s 30-year track record of safeguarding our clients’ hard-earned money while paying out higher returns speaks for itself. So, we’ve made investing in our products that much easier by having them all at your fingertips. Get a Secured Investment, Tax-Free Savings or Unit Trust Fund today and start building on your financial journey. Fedgroup's innovative Impact Farming allows ANYONE to own a stake in ground-breaking farming ventures. And now with even more profitable assets, we've made it easier, faster and more lucrative to back a venture by letting you invest in the assets that generate your income on our App. Include your Financial Advisor on your Fedgroup journey: We know that professional financial advice is imperative when making sound investment decisions. So, we’ve invited your financial advisor to come along on this journey. If you already have a financial advisor with Fedgroup we’ve linked them to your account so all you have to do is click a button and include them when investing on the App. If you don’t have an advisor, you can use the find-an-advisor functionality in the profile section to find an advisor that can help with your unique financial needs. View ALL your Fedgroup investments: Secured Investment pays you a fixed monthly interest on your investment and gives you the flexibility of having it paid out to you as a regular income or reinvesting it for further growth. Tax-Free Savings is an additional way to help South Africans save and access tax-free returns. Unit Trust funds bring important diversification to your portfolio. Choose to invest in a fund that suits your individual investment goals, risk profile and investment horizon. Download the Fedgroup App today and get an uncompromised view of your investments. If you are not a Fedgroup investor but would like to know more about our products, please visit our website: https://www.fedgroup.co.za/

Screenshots

Discovery Insure4 screens
Fedgroup3 screens

Verdict

The call

The clearest difference is review sentiment: Fedgroup at 55% against Discovery Insure's 17%. Fedgroup also leads on rating (4.3 vs 4.0). Discovery Insure's advantage is update cadence (every 2 weeks vs every 3 months) and ratings volume (121 vs 15). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Fedgroup holds the better App Store score, 4.3 against 4.0. That said, the two scores are not equally well evidenced: Discovery Insure has 121 ratings behind it against 15, so its average is the more settled of the two. Written reviews point the same way: 17% of Discovery Insure's written reviews are positive against 55% of Fedgroup's.

UpkeepUpdate frequency

Discovery Insure ships an update every 2 weeks, Fedgroup every 3 months. The most recent releases landed on September 6, 2026 and September 22, 2026 respectively.

Scorecard4 real differences · 6 level
Discovery Insure versus Fedgroup: the parameters behind the verdict, then further details
ParameterDiscovery InsureFedgroup
PriceFreeFree
Rating4.0 (121 ratings)4.3 (15 ratings) — better
Positive reviews17.5% of reviews55.0% of reviews — better
Number of ratings121 — better15
Update frequencyEvery 2 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS16.015.1 — better
Further details — not scored
Size327 MB106 MB
Age rating17+4+
DeveloperDiscovery LimitedFedgroup

Customer experience

Discovery Insure

All ratings121 ratings
Positive76.9%
Neutral4.1%
Negative19.0%
Written reviews63 reviews
Positive17.5%
Neutral11.1%
Negative71.4%

Fedgroup

All ratings15 ratings
Positive80.0%
Neutral6.7%
Negative13.3%
Written reviews40 reviews
Positive55.0%
Neutral10.0%
Negative35.0%

Bugs and requests

Discovery Insure

Reported bugs

128 issues
  • Battery drain
  • Inaccurate driving behavior detection
  • App doesn't work
  • App deleted itself
  • App doesn't recognize vehicle type
Show 123 more
  • 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

Requested features

35 requests
  • Fix battery drain issues
  • Improve accuracy of driving detection
  • Allow manual trip logging
  • Detect vehicle type for better accuracy
  • Only track when driving
Show 30 more
  • 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

Fedgroup

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Discovery Insure

No in-app purchases

None

Fedgroup

No in-app purchases

Questions

Is Discovery Insure free?
Discovery Insure is free to download, with no in-app purchases.
Is Fedgroup free?
Fedgroup is free to download, with no in-app purchases.
Which has better reviews, Discovery Insure or Fedgroup?
Fedgroup is rated higher. Discovery Insure averages 4.0 out of 5 from 121 ratings, while Fedgroup averages 4.3 from 15 ratings.
Do Discovery Insure or Fedgroup have ads?
Neither Discovery Insure nor Fedgroup shows ads.
Which is updated more often, Discovery Insure or Fedgroup?
Discovery Insure ships an update every 2 weeks, and Fedgroup every 3 months. Most recently, Discovery Insure was updated on September 6, 2026 and Fedgroup on September 22, 2026.

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