Discovery Insure and My Poor F30

[WIDEOPN-X5]

Makes sense what Coisman said, never knew they can come off like that.

See in this pic, from where the marks on the road starts, seems like there was something lying in the road, that could also have damaged your tire. (almost rectangular mark on the road surface, right in the bend)


My 2 cents, If the tyre came off the rim prior to hitting the pavement, we would have clearly been able to see the two scraping lines of the rim sides on the road.

Would just like to point something out in regard to the picture of the road surface and the picture of the rim.

If the scrape marks on the road were the result of the rim scraping on the road "when the tyre came off the rim" then the outer circumference of the rim would be scored all the way around. It isn't.

PS: BELOW I REFER TO ARROWS - I cant upload the image I worked on as it keep saying "image file missing"

Secondly, the scrape marks on the road (red arrows) that appear to run perpendicular to the long sweeping mark (between the blue arrows) could easily be caused by small stones being "scrubbed" under a tyre which is slipping in understeer across the tar. The "scrubbing" is what is seen in the long arc between the blue arrows.

There are other arcing marks on the road surface which I don't think have anything to do with this accident.

OP has not advised when these photos were taken. Next morning? A day or 2 later? I suspect late the next morning / early afternoon based on the shadows (or lack thereof off the pavement and the also from the tree in the background. I can't get down to road surface on Google Maps to confirm this so it is pure speculation on my part.

Not if he was hitting the brakes, or the ABS and EBD unit was braking the wheel in order to try and restore control, then the rim would not be rotating and thus be bouncing along the roadway, causing the marks in question.

Like I stated before...the tyre might not have left the rim, but merely pulled so far to the side, that the rim contacted the roadway.

Afterwards, especially cause its runflat tyres, the firewall and the design of the tyre would cause the tyre to go back to the position it was in on the rim.


Look... ALLOT can be speculated as to what happened, but again I say, I was not on the scene, I am merely going by my 23 years experience.

Love you all. :blowheart:

But he supposedly just pulled off from a Stop street....:tiptoe::tiptoe::tiptoe:

 

[TurboLlew]

I will not use a Medical Company for a car insurance. I've been with Santam for years and never had a problem with a claim, 2 ..3 days and claims are sorted through my broker. Discover approached me with lower premium because of my Med Aid and Life Policies with them, the minute they started with the tracker story I told them to jump. What happens if I was reckless and my car claim is rejected, and suddenly decide that they will reject my medical claim too.. same company. It can happen! Or if I get killed in an accident and they deny life payout becz I was negligent.. no thanks!

That lower premium comes from less risk... to them... All these okes with smart watches and gym memberships for 'lower premiums' and imaginary points that you need to re-earn every year... if you have one of these devices for yourself, GREAT. If you are a gym bunny for the fitness, also great. If you did it for the shiny watch or SLIGHTLY lower premium (if at all), and you are not hitting your targets wait and see how it will work against you. Congestive heart failure? Lets look at your lack of fitness routine over the past decade and a half come into play and your life cover, medical aid etc. doesn't pay out. Wait until it is used to INCREASE your premium and not lower the already artificially high premium. It is a matter of time! Liberty already wanted to increase my premium due to cholesterol level by an astronomical amount (I had increased my cover and they wanted to redo medicals - even had a guy come out to take blood). I've never had high cholesterol in my life and although the only fitness thing I do is a once-a-week run, I eat reasonably healthily. Went to have a test again a day after getting results paid for by myself at Waterfall Lancet and submitted results. Totally different. It was a 'lab error' apparently. "Apparently".

From the 'nuts' on the internet concerned about privacy to the guys at events who block off every possible identification of their car, even if they are not going out on track are not actually nuts. We have to take on some risks in life... but having all of your eggs in one basket is a BAD IDEA and has been since the dawn of time in one way or another! Discovery is not the messiah its employees and 'amazed' clients make it out to be. Neither are many others.

 

[FaSTandFurious]

I will not use a Medical Company for a car insurance. I've been with Santam for years and never had a problem with a claim, 2 ..3 days and claims are sorted through my broker. Discover approached me with lower premium because of my Med Aid and Life Policies with them, the minute they started with the tracker story I told them to jump. What happens if I was reckless and my car claim is rejected, and suddenly decide that they will reject my medical claim too.. same company. It can happen! Or if I get killed in an accident and they deny life payout becz I was negligent.. no thanks!

You have just opened my eyes man. Never put your eggs in one basket

 

[MaX]

Sorry for your loss. No matter what happened, not pleasant to be slapped with a R50k repair bill especially before the holiday season.

 

[Gordvisr]

from the marks in the road it actually looks like the rim caught the road, tyre was deflated before it hit the curb. But with that said, that is the norm with normal tyres not runflats. With the front end giving away, it could be either a flat tyre or loose debris on the road but would not have made those type of marks.

 

[WIDEOPN-X5]

from the marks in the road it actually looks like the rim caught the road, tyre was deflated before it hit the curb. But with that said, that is the norm with normal tyres not runflats. With the front end giving away, it could be either a flat tyre or loose debris on the road but would not have made those type of marks.

Guys look at the rim. It is not possible to lock the rim in one position; ABS precludes this.

If the tyre was deflated to the extent that the rim was in contact with the road surface then there would be scoring around the circumference of the rim and there would be a clearly defined score mark on the road. The rim isn't scored and there's no score mark on the road leading to the curb.

I can't load the photo I have worked on to illustrate what I am saying. Very frustrating :RedNo:

 

[Gizmo]

^ I agree, looks like stones scratched the road surface. Scratched a stone under my shoe on tarmac outside my gate, makes the same marks we see in the pics.

 

[ernest maurice]

I was with Discovery Insure up until a few months ago when sensibility eventually prevailed and I moved to Santam. Only reason I chose Discovery was due to them willing to insure my Golf 1 cabriolet.

First question I asked was about the tracking unit and if they will deny a claim due to speeding, harsh braking, cornering, etc and I was told that they won't.

If I'm not mistaken I think there is some details around that in the actual contract.

To be honest we all accelerate or brake and corner harshly at times and to be continuously monitored is actually what made me leave discovery even though they said it would not affect a claim.

Good luck bud and hope you come right.

I agree with you. Am currently with Discovery and on their contract they state that your driving behavior will not be used against you in the event of a claim. I guess its just to make us comfortable and then later stab us in the back.


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[Sabretooth tiger]

My rim looked exactly like that. Once I hit the curb (those square high ones), the lower arm control snapped, and the wheel did not roll, but was sliding, I managed to get the car stopped, so it didn't travel far.

My tire never came off the rim. The tire at that point sort of covered around the edge of the rim, as the tire was completely deflated. Tire had a hole in.

Just stating what happened in my case, not implying anything.

 

[Maximus03]

So, with all this, I actually just changed from Discovery to Outsurance now with the same excesses etc. and a total premium with a saving of over R700 a month! Just the basic tracker retrieve is required on the F30, none was required for the Polo or Corolla.

I still use them for other things like the credit card, gyming etc. and being on diamond is awesome because I bought a PS4 Pro yesterday for 7k and will get R1400 back at the end of the month :rollsmile:

 

[Neve24]

Sorry dude,thanks for sharing. Has made me think twice before a power slide or going sideways

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[Iceman007]

No tracker on my BMW ever. I pay a bit more at santam but never had a refused claim in my life. It seems that something happend before you hit the curb. These cars dont tell you imediately if your tyre is under inflated. You could have picked up a nail before you parked and when you drove off the wheel was under inflated and the system would not have been able to tell you in that short distance.

For what ever bussiness gave them the footage shame on them. Remember some of these camaras have a realy bad frame rate. Also is there any speed limit sings in the parking or on the surface of the road. Any warning sings for indicating sharp corner bla bla bla. These insurance companys are getting away with fraud. If your foot slipped and you hit the gas then they dont pay.

I thought insurance are there for accidents. I know for a fact my next door Neighbor was involved in a crash when he was rear ended by a car. Geus what he is also with Descovery and they only want to pay him trade and not retail.(they say its retail and indicated by their book). He is not giving up and he is currently at the ombudsman stage. He also said after this No more Discovery insurance.

Please people warn friends and family about Discovery. Our company also recently withdrew from Discovery medical. I dont know why but I would steer clear of them seeing how these cases are playing out.

 

[vimal32]

I was with Discovery Insure up until a few months ago when sensibility eventually prevailed and I moved to Santam. Only reason I chose Discovery was due to them willing to insure my Golf 1 cabriolet.

First question I asked was about the tracking unit and if they will deny a claim due to speeding, harsh braking, cornering, etc and I was told that they won't.

If I'm not mistaken I think there is some details around that in the actual contract.

To be honest we all accelerate or brake and corner harshly at times and to be continuously monitored is actually what made me leave discovery even though they said it would not affect a claim.

Good luck bud and hope you come right.

I agree with you. Am currently with Discovery and on their contract they state that your driving behavior will not be used against you in the event of a claim. I guess its just to make us comfortable and then later stab us in the back.


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Surely a contract is a contract and this can be taken to court.
they cannot give you a contract that says one thing then do another.
there is more to this then we all know i guess.

 

[TurboLlew]

Please people warn friends and family about Discovery. Our company also recently withdrew from Discovery medical. I dont know why but I would steer clear of them seeing how these cases are playing out.

This should be the key take out of this thread. The 'middle-men' are usually in your favour... despite what the sales pitch of the tele-surers are. I don't think I've seen a thread where a broker is being raked over the coals, yet there are many across all forums of MiWay, Discovery Insure, King Price etc.

Discovery medical aid is another train wreck. I have not paid a cent out of pocket (that wasn't refunded via a claim worst case) with CAMAF, yet Discovery left us in the lurch numerous times and the final straw was having to watch my wife in PHYSICAL excruciating pain while these clowns were taking their time using nonsensical jargon and treating us like we were morons for not understanding their scamming process... I mean internal processes. I would rather pay more for an actual service than what is a thinly veiled scam organisation up there with best pyramid schemes. Even their staff (some of them my relatives) are evangelical about the company in the same way those in cults/pyramid schemes are - always offering to escalate an issue and then coming back with the same excuses but hoping to explain why it is not the amazing Discovery's fault. We are two Medical Bio-Chemists - I have had family with barely two brain cells working at Discovery treat us like idiots as well because we 'just don't get' their idiotic systems and processes. There is a family member and former friend that we have actually never spoken to again after this debacle. I hate to think what folks with limited knowledge have to deal with - they probably just accept it and continue paying their premiums...

They are giving away smart watches, discounts etc etc. from the money they steal from you while not paying for claims. Free stuff doesn't appear out of thin air. Hope some of you are still enjoying that R5K smart watch or R1400 discount when you are tens of thousands out of pocket.

 

[Ratslaaf]

There's many of us here that can share a scary Discovery story. I was a customer for 15 years, never did I make use of medical aid nor was I hospitalized. As my family grew, so did my premiums, up to the point of paying almost R10k a month.

The first time I ended up in hospital for a very short stay was early last year. For whatever reason, they dipped into my MSA for many of the Meds and stuff needed (another idiotic scheme designed to only protect Discovery). 3 months later I decide to start my own business and simply cannot afford R10k a month, rather opting for a hospital plan from a competitor. And you know what? They made me pay for the shortfall of the stuff used up in my MSA as, I quote, "I used most of the years MSA allotment in the first month of the year". I mean shit, why did hey use the MSA for a hospital visit in the first place!

Anyway, R12k later I'm rid of Discovery and I have a pure hospital plan. Doctor visits I pay cash for. And I am nowhere near the R10k a month figure while still enjoying comprehensive medical cover should any of my family end up in hospital; including routine visits to the doctor that I pay cash for.

What irked me most is that they didn't give two shits that I was with them for 15years and hardly used anything. But the day I needed the cover I ended up using all my alotted grace with them. Wankers.

Simply put, you get lulled into a false sense of security with their scheme, with any and all risks to them wrapped up into this idiotic MSA scheme that they claim to be some feature of their product.

 

[Wayneb]

Simply put, you get lulled into a false sense of security with their scheme, with any and all risks to them wrapped up into this idiotic MSA scheme that they claim to be some feature of their product.

That clarify it for you? :tiptoe::tiptoe:

 

[Ratslaaf]

Lol yeah ok

 

[Solo Man]

Maybe a bit off topic here but some of these insurance schemes say you get all your premiums back after 15 years if no claim! Firstly, chances are good you will claim before the 15 years are over (and subsequently loose out) and secondly if you do not claim and they have to pay back all your premiums (and maybe a million other guys as well) in 15 years then i see a BIG problem looming in 15 years time.

 

[pimpassdaddy]

Hi,

I did not swerve, none of the warning lights even came on, no stability control nothing! And the worst part was I hit the curb with the front wheels first.

My understanding is that if you accelerate to hard with a read wheel drive car that the backend comes out... id did not. I lost grip and hit the curb.

Only damage is to the rear and the mags. full quote for repairs adds up to about R50k.

In July, I was leaving a club early morning. My windscreen had misted up. As I turn to come round the corner, with a car parked to the left, I turned wide and I didn't see the small curb/island. I hit it VERY hard. Car even jumped up.

Only damage was to my 5000km old run-flats, thats it.

Accidents happen all the time, but impact is what is the most telling. No way you could destroy rims like that at low speed. That shows a high impact, hence the damage.

I hope you come right with the ombudsman with regards to the claim, but this was definitely a high speed impact.

 

[F30 M Sport]

After reading all the comments last night about Discovery, it just made me realized that I need to get the hell out of this policy and can now gladly confirm that I have given Santam a call and accepted their quotation...Goodbye Discovery :hammerhead:, Hello Santam:tiptoe:

Thanks for the information guys:ty: