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Motor Insurance
At Discover Insurance, our Motor Insurance solutions are designed to keep you, your passengers, and your vehicles protected at all times.

Bonds & Guarantees
we offer a robust portfolio of bonds and guarantees that support businesses in meeting contractual obligations, minimizing financial risk, and enhancing credibility in competitive bidding environments.

Engineering Insurance
At Discover Insurance, we understand the complex and high-risk nature of engineering and construction projects.

Marine &
Goods in Transit
We provide comprehensive coverage for goods transported by road, rail, air, or sea—locally and internationally.

Fire Insurance
We know that fire and related risks can lead to devastating financial losses if not adequately protected against

Miscellaneous Insurance
We offer a broad range of Miscellaneous Insurance products tailored to meet diverse personal, business, and professional needs.

Discover peace of mind
Discover Insurance is a proudly Zambian, privately-owned insurer committed to delivering innovative, customer-focused short-term insurance solutions that protect what matters most.
News & Updates
Frequently
Asked Questions
Everything you need to know about the our services. Can’t find the answer you’re looking for? Please chat with our team.
What types of insurance does Discover Insurance offer?
We provide a wide range of general insurance solutions, including Motor Insurance, Fire & Allied Perils, Marine Transit Insurance, Engineering Policies, Bonds & Guarantees, Liability Insurance, and more—tailored to both individuals and businesses.
How do I get an insurance quote?
You can easily request a quote by calling our office, emailing us, or filling out the quote request form on our website. Our team will respond promptly with a tailored offer.
What’s the difference between Third Party and Comprehensive Motor Insurance?
Third Party Insurance covers damage or injury caused to others.
Comprehensive Insurance includes Third Party cover plus protection for your own vehicle in case of accidents, fire, or theft.
What documents do I need to apply for insurance?
Basic requirements include:
- A valid ID or business registration
- Completed proposal form
- Relevant asset information (e.g., vehicle registration, property documents)
Our team will guide you on additional requirements based on your selected policy.
What should I do when I need to file a claim?
Report the incident to us as soon as possible. Fill out a claim form and submit supporting documents such as a police report, photos, and receipts. Our claims team will walk you through the process.
How long does it take to process a claim?
Once all required documents are submitted, we aim to settle most claims within 5 to 10 working days. More complex claims may take slightly longer, but we keep you updated every step of the way.
Can I customize my insurance cover?
Absolutely. We offer flexible, customer-centered insurance solutions. Whether you’re an individual or a business, we work with you to design coverage that fits your unique needs.