OUTsurance Car Insurance

In case you are looking into car insurance in South Africa, OUTsurance is a major player worth considering. This article covers what their car insurance offers, key benefits, things to check, and how to decide if it’s right for you.

What is OUTsurance?

OUTsurance is a South African short-term insurer, part of the Rand Merchant Investment Holdings (RMI) Group, founded in 1998 and headquartered in Centurion, Gauteng.
They are licensed and regulated by the Financial Sector Conduct Authority (FSCA) with FSP number 896, meaning they are officially authorised to provide insurance in South Africa.

They aim to set themselves apart by offering not just cover, but also rewards for claim-free years, and a strong focus on customer service.

Key Features & Benefits of OUTsurance Car Insurance

Here are some of the standout features that make OUTsurance attractive:

OUTbonus reward: If you remain claim-free for a specified period (typically 3 years), you become eligible for a cash bonus—10% of premiums paid back.
Fixed excess: Your excess (the amount you pay when you claim) is fixed, irrespective of the claim size. This gives more certainty.
Comprehensive cover options: Their comprehensive policies cover your vehicle for loss or damage (accident, theft, fire, hail, etc), plus liability cover for third-party damage up to high limits (e.g., up to R5 million) for some policies.
24/7 Roadside assistance: Their “Help@OUT” service gives you roadside assistance around-the-clock as part of many comprehensive policies.
Digital quote & policy management: You can get quotes online, manage your policy via their website/app, and answers questions about your driving profile to tailor the premium.
Travel & off-road cover add-ons: For certain vehicles (e.g., 4×4s) or travel outside South Africa, they have add-ons like “OUT-in-Africa” for extended cover.

What’s Covered & What to Watch Out For

What you get:

Full cover for your vehicle (if you choose comprehensive) including loss/damage from accidents, theft, hijack, fire, smash-and-grab.
Third-party liability cover (damage you cause to someone else’s property) up to significant amounts.
Extras like lost/stolen keys cover included in many policies.
They ask good questions during quote-stage (e.g., where you park your car, driving usage) which can help tailor the risk and premium more fairly.

What to check / limitations:

As with all insurers, the premium depends on many factors: your driving history, where you live, car type, usage, etc. So what you pay may vary substantially.
The OUTbonus reward is only triggered after some claim-free years; if you claim early, you may forfeit that reward.
Some online reviews caution about service experiences — always good to check recent reviews.
If you travel outside South Africa for long periods, or into certain countries, you may need special add-ons (e.g., for off-road or breakdown cover) rather than standard insurance.

How Much Does It Cost?

Premiums will vary widely depending on your profile. Some things influencing cost include:

Vehicle value, make/model, age
Where you live/park the car (crime/accident risk)
Driving history, license years
Usage (private vs business)
Safety/security features fitted
OUTsurance emphasises that they try to offer value and will “go out of our way to save you money while still giving you great value” when quoting.
They also review your premium annually (not after each claim) for renewal date.

SEE ALSO: King Price Car Insurance

Pros & Cons — Is OUTsurance Right for You?

✅ Pros:

Strong brand with decades of operation and a wide product offering.
Attractive reward (OUTbonus) for claim-free years — good incentive for safe drivers.
Good extras such as roadside assistance and digital policy tools.
Transparent features like fixed excess and annual premium review.
Add-on options for specific use-cases (4×4, travel outside SA).

⚠️ Cons / Things to Consider:

The reward features (OUTbonus) are contingent on claim-free years, so if you anticipate claims you may lose the benefit.
Premiums may not necessarily be the lowest in every case depending on your profile — always compare.
Some user-reviews suggest service delays — it’s worth checking recent actual experience for your vehicle type and region.
If you use your car heavily (business usage) or drive in high-risk areas, your premium may be higher.

Tips for Getting the Best from OUTsurance

Get quotes from them and other insurers to compare like-for-like cover (same excess, same usage, same car).
Ask specifically what the fixed excess is and how your usage profile will impact premium.
Highlight any security features you have (alarm, tracker, secure parking) — may help reduce premium.
Try to keep claim-free years to unlock the OUTbonus reward.
Read your policy document carefully: check exclusions (e.g., usage, drivers, modifications) and ensure the cover matches your needs.
If you travel outside SA, ask about the “OUT-in-Africa” or applicable add-on if you’ll go into neighbouring or further countries.
Use the roadside assistance and extras provided — the value of those often gets overlooked.

Final Verdict

OUTsurance is a solid and reputable choice for car insurance in South Africa, especially if you value reward programmes, solid customer service, and a robust brand. If you are a safe driver, have a good usage profile, and don’t anticipate frequent claims, the OUTbonus feature could be a strong benefit.
However, as with all insurance decisions: the best deal is always the one that matches your personal driving habits, vehicle type, and budget. Be sure to compare cover, excess, and service levels.

OUTsurance Car Insurance — South Africa (2026 Guide)