King Price vs OUTsurance car insurance
King Price and OUTsurance are two of South Africa's best-known direct insurers, but they compete on very different ideas: King Price on premiums that shrink as your car ages, OUTsurance on service and a claim-free cash reward.
King Price or OUTsurance - which should you choose?
Choose King Price if your main goal is a low, decreasing monthly premium that tracks your car's depreciation. Choose OUTsurance if you value a strong service reputation and the OUTbonus, which pays cash back when you stay claim-free over an agreed period. Both are direct insurers, so pricing depends heavily on your own risk profile - the only reliable way to decide is to compare both quotes side by side.
King Price vs OUTsurance at a glance
| Factor | King Price | OUTsurance |
|---|---|---|
| Best for | Budget-focused drivers who want a low, decreasing premium | Drivers who value service and a reward for staying claim-free |
| Cover style | Broad direct cover with competitive starting premiums | Comprehensive direct cover with an emphasis on service |
| Pricing approach | Signature decreasing premium that reduces monthly as your car depreciates | Risk-based pricing paired with the OUTbonus cash-back for claim-free periods |
| Excess options | Standard excess applies; add-ons available to manage out-of-pocket costs | Standard excess applies; confirm the amounts and any voluntary options in your quote |
| Technology / app | Direct online and telephone quoting and policy management | Established direct channels with online and app-based self-service |
| Claims experience | Direct claims handling; experiences can vary by case | Well-regarded service reputation is central to its brand |
| Extras / benefits | Wide range of optional add-ons to tailor cover | OUTbonus cash-back plus comprehensive optional extras |
King Price
- Premiums decrease monthly as your car loses value
- Competitive starting premiums for budget-conscious drivers
- Wide range of optional add-ons to tailor cover
- Budget positioning means fewer premium frills
- Service experiences can vary from case to case
OUTsurance
- OUTbonus rewards claim-free customers with cash back
- Strong, well-established customer-service reputation
- Comprehensive cover with a full range of extras
- Not always the cheapest premium on day one
- Full OUTbonus value rewards long-term, claim-free customers
The verdict
There is no single winner here - it depends on what you want your premium to do. King Price appeals if you want the lowest realistic monthly cost and like the idea of a premium that falls as your car depreciates. OUTsurance appeals if you would rather pay for dependable service and earn cash back for careful, claim-free driving. Because both price on your individual profile, the headline positioning only takes you so far. Get a quote from each for the same cover level and excess, then weigh the premium against the rewards and service that matter to you.
Frequently asked questions
Is King Price cheaper than OUTsurance?
What is the OUTbonus and does King Price offer one?
Are both King Price and OUTsurance direct insurers?
Don't guess - compare
The only way to know whether King Price or OUTsurance is cheaper for you is to compare real quotes. It's free and takes about a minute.
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