Excess Annexure

This annexure must be read in conjunction with your Discovery Insure Plan Schedule and your Discovery Insure Plan Guide. This annexure replaces all previous annexures
received from us. The excess amount payable for the insured event will be the total of your basic, additional excess chosen by you or applied by us.

Essential Plan Classic Plan Purple PlanPlan

Section Excess description Excess Excess Excess

Motor Basic excess: Accidental damage, including write-off and R5,000 or your chosen amount and any R4,500 or your chosen amount and any R4,500 or your chosen amount and any
vehicle emergency repairs voluntary amount as selected and stated voluntary amount as selected and stated voluntary amount as selected and stated
in the Plan Schedule in the Plan Schedule in the Plan Schedule
Basic excess: Theft, attempted theft, hijacking, fire, lightning, R5,000 or your chosen amount and any R0 and any voluntary amount as R0 and any voluntary amount as selected
explosion, storm, water, hail, snow, flood, earthquake or voluntary amount as selected and stated selected and stated in the Plan Schedule and stated in the Plan Schedule
malicious damage in the Plan Schedule
Basic excess: Windscreen and window glass replacement R1,000 or your chosen amount and any R1,000 or your chosen amount and any R1,000 or your chosen amount and any
voluntary amount as selected and stated voluntary amount as selected and stated voluntary amount as selected and stated
in the Plan Schedule in the Plan Schedule in the Plan Schedule
Windscreen repairs R0 R0 R0
Basic excess: When the driver of the motor vehicle R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as selected
is 55 years or older selected and stated in the Plan Schedule selected and stated in the Plan Schedule and stated in the Plan Schedule
Basic excess: Warranty R3,000 or your chosen amount and any R3,000 or your chosen amount and any R3,000 or your chosen amount and any
voluntary amount as selected and stated voluntary amount as selected and stated voluntary amount as selected and stated
in the Plan Schedule in the Plan Schedule in the Plan Schedule
Loss of or damage to keys, locks and remote control units R500 R750 R750
(not applicable following theft or hijacking) – not applicable
to 55 years or older
Theft of specified extra sound equipment – not applicable R500 R750 R750
to 55 years or older
Incorrect class of use as shown in the Plan Schedule 20% of the claim, in addition to any 20% of the claim, in addition to any 20% of the claim, in addition to any other
other applicable excess other applicable excess applicable excess
Additional compulsory amount payable in addition to your As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule
excess or chosen amount

Motorcycle Basic excess: Accidental damage, including write-off and
emergency repairs
Basic excess: Theft, attempted theft, hijacking, fire, lightning,
explosion, storm, water, hail, snow, flood, earthquake or
malicious damage
R2,500 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R2,500 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
 Essential Plan
Section Excess description Excess
Motorcycle Basic excess: Accidental damage, including write-off of quad Sum insured below R10,000: R750 or
bikes and/or similar vehicles your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
Sum insured above R10,000: R2,500 or
your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
Basic excess: Windscreen replacement R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
Windscreen repairs R0
Basic excess: When the rider of the motorcycle is 55 years R0 and any voluntary amount as
or older selected and stated in the Plan Schedule
Loss of or damage to keys, locks and remote control units R500
(not applicable following theft or hijacking) – not applicable
to 55 years or older
Incorrect class of use as shown in the Plan Schedule 20% of the claim, in addition to any
other applicable excess
Off-road use (if selected on two-wheel motorcycle) R5,000, in addition to any other
applicable excess
Additional compulsory amount payable in addition to your As stated in the Plan Schedule
excess or chosen amount
Caravan Basic excess: Accidental damage, including write-off R1,000 or your chosen amount and any
and trailer voluntary amount as selected and stated
in the Plan Schedule
Basic excess: Theft, attempted theft, hijacking, fire, lightning, R1,000 or your chosen amount and any
explosion, storm, water, hail, snow, flood, earthquake or voluntary amount as selected and stated
malicious damage in the Plan Schedule
Basic excess: When the driver of the motor vehicle towing the R0 and any voluntary amount as
caravan or trailer is 55 years or older selected and stated in the Plan Schedule
Loss of or damage to keys, locks and remote control units R500
(not applicable following theft or hijacking) – not appicable
to 55 years or older
Incorrect class of use as shown in the Plan Schedule 20% of the claim, in addition to any
other applicable excess
Additional compulsory amount payable in addition to your As stated in the Plan Schedule
excess or chosen amount
Classic Plan
Excess
Sum insured below R10,000: R750 or
your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
Sum insured above R10,000: R2,000 or
your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R750
20% of the claim, in addition to any
other applicable excess
R5,000, in addition to any other
applicable excess
As stated in the Plan Schedule
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R750
20% of the claim, in addition to any
other applicable excess
As stated in the Plan Schedule
Purple Plan
Excess
Sum insured below R10,000: R750 or
your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
Sum insured above R10,000: R2,000 or
your chosen amount and any voluntary
amount as selected and stated in the
Plan Schedule
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R750
20% of the claim, in addition to any other
applicable excess
R5,000, in addition to any other applicable
excess
As stated in the Plan Schedule
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R750
20% of the claim, in addition to any other
applicable excess
As stated in the Plan Schedule
 Essential Plan
Section Excess description Excess
Buildings Basic excess: Including geysers R1,500 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
Basic excess: Fire, lightning, explosion, storm, rain, hail, snow, R1,500 or your chosen amount and any
flood, earthquake or malicious damage voluntary amount as selected and stated
in the Plan Schedule
Basic excess: Power surge R2,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
When the Planholder is 55 years or older R0 and any voluntary amount as
selected and stated in the Plan Schedule
Keys, locks and remote controls (not applicable in the event of R500
theft) – not applicable to 55 years or older
Swimming pool filters and borehole pumps – not applicable Plan exclusion
to 55 years or older
Subsidence and landslip (limited and comprehensive) – not R5,000 and any voluntary amount as
applicable to 55 years or older selected and stated in the Plan Schedule
Additional compulsory amount payable in addition to your As stated in the Plan Schedule
excess or chosen amount
Household Basic excess: Theft or attempted theft without visible signs R1,500 or your chosen amount and any
contents of forced entry, damage caused by geysers, water or oil voluntary amount as selected and stated
apparatus or pipes in the Plan Schedule
Basic excess: Theft or attempted theft with visible signs R1,500 or your chosen amount and any
of forced entry voluntary amount as selected and stated
in the Plan Schedule
Basic excess: Accidental damage and power surge R2,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
Basic excess: Fire, lightning, explosion, storm, rain, hail, snow, R1,500 or your chosen amount and any
flood, earthquake or malicious damage voluntary amount as selected and stated
in the Plan Schedule
Basic excess: When the Planholder is 55 years or older R0 and any voluntary amount as
selected and stated in the Plan Schedule
Keys, locks and remote controls (not applicable in the event of R500
theft) – not applicable to 55 years or older
Business goods and equipment – not applicable to 55 years Plan exclusion
or older
Goods in storage – not applicable to 55 years or older Plan exclusion
Comprehensive subsidence and landslip (if selected) – not R5,000 and any voluntary amount as
applicable to 55 years or older selected and stated in the Plan Schedule
Additional compulsory amount payable in addition to your As stated in the Plan Schedule
excess or chosen amount
Classic Plan
Excess
R1,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R750
R750
R5,000 and any voluntary amount as
selected and stated in the Plan Schedule
As stated in the Plan Schedule
R1,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R750
R750
R1,000
R5,000 and any voluntary amount as
selected and stated in the Plan Schedule
As stated in the Plan Schedule
Purple Plan
Excess
R1,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R750
R750
R5,000 and any voluntary amount as
selected and stated in the Plan Schedule
As stated in the Plan Schedule
R1,250 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R2,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R750
R750
R1,000
R5,000 and any voluntary amount as
selected and stated in the Plan Schedule
As stated in the Plan Schedule
 Essential Plan Classic Plan Purple Plan

Section Excess description Excess Excess Excess

Portable Basic excess: All categories and sub-categories
possessions
Basic excess: When the Planholder is 55 years or older
Pedal cycle excess – not applicable to 55 years or older
Theft from an unattended vehicle without visible, violent and
forcible entry into the vehicle
Additional compulsory amount payable in addition to your
excess or chosen amount
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R750 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
20% of the claim, in addition to any
other applicable excess
As stated in the Plan Schedule
R1,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
R0 and any voluntary amount as
selected and stated in the Plan Schedule
R1,000 or your chosen amount and any
voluntary amount as selected and stated
in the Plan Schedule
20% of the claim, in addition to any
other applicable excess
As stated in the Plan Schedule
R1,000 or your chosen amount and any
voluntary amount as selected and stated in
the Plan Schedule
R0 and any voluntary amount as selected
and stated in the Plan Schedule
R1,000 or your chosen amount and any
voluntary amount as selected and stated in
the Plan Schedule
20% of the claim, in addition to any other
applicable excess
As stated in the Plan Schedule

Watercraft Basic excess: Accidental damage, including write-off and R3,000 or your chosen amount and R3,000 or your chosen amount and any R3,000 or your chosen amount and any
outboard motors dropping off any voluntary amount as selected and voluntary amount as selected and stated voluntary amount as selected and stated in
stated in the Plan Schedule in the Plan Schedule the Plan Schedule
Basic excess: Theft, attempted theft, hijacking, fire, R3,000 or your chosen amount and any R0 and any voluntary amount as R0 and any voluntary amount as selected
lightning, explosion, storm, water, hail, snow, flood, voluntary amount as selected and stated selected and stated in the Plan Schedule and stated in the Plan Schedule
earthquake or malicious damage in the Plan Schedule
Basic excess: When the pilot is 55 years or older R0 and any voluntary amount as R0 and any voluntary amount as R0 and any voluntary amount as selected
selected and stated in the Plan Schedule selected and stated in the Plan Schedule and stated in the Plan Schedule
Additional compulsory amount payable in addition to your As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule
excess or chosen amount

Personal Liability to other parties R0 R0 R0

liability Cash cards and credit cards R0 R0 R0
Full-house R0 R0 R0
Hole-in-one R0 R0 R0
Medical expenses of guests and domestic employees R0 R0 R0
Tenant’s liability R0 R0 R0
Wrongful arrest Plan exclusion R0 R0
Additional compulsory amount payable As stated in the Plan Schedule As stated in the Plan Schedule As stated in the Plan Schedule

Discovery Insure Ltd is a licenced non-life insurer and an authorised financial services provider. Registration number 2009/011882/06. Product rules, terms and conditions apply. Full product details including limitations can be found on our
website, www.discovery.co.za or you can call 0860 751 751.

Discovery

Contact Centre 0860 751 751 | insureinfo@discovery.co.za | www.discovery.co.za

RCK_89923IN_22/07/2022_V3 Effective date 1 September 2022