Naked vs OUTsurance car insurance
Naked and OUTsurance sit on opposite sides of the market's digital divide: Naked is a newer, app-only insurtech, while OUTsurance is a large, established direct insurer known for service.
Naked or OUTsurance — which should you choose?
Naked suits tech-savvy drivers who want a fully app-based experience, transparent fixed-fee pricing and CoverPause to save when the car is parked. OUTsurance suits drivers who value an established service reputation and the OUTbonus cash-back for staying claim-free. Naked is the more modern, self-service option; OUTsurance offers scale and a longer track record. Both price on your profile, so compare a quote from each and weigh app-first control against established service and rewards.
Naked vs OUTsurance at a glance
| Factor | Naked | OUTsurance |
|---|---|---|
| Best for | Tech-savvy drivers who want app-first control and CoverPause | Drivers who value established service and a claim-free reward |
| Cover style | Fully app-based car, home and single-item cover | Comprehensive direct cover with an emphasis on service |
| Pricing approach | Transparent, fixed-fee model with clear pricing | Risk-based pricing plus the OUTbonus cash-back |
| Excess options | Excess applies to most claims; confirm details in the app | Standard excess applies; confirm the amounts in your quote |
| Technology / app | AI-driven app with CoverPause to pause cover when not driving | Established direct channels with online and app self-service |
| Claims experience | Digital, in-app claims aimed at speed and transparency | Well-regarded service reputation is central to its brand |
| Extras / benefits | CoverPause savings and a transparent fixed-fee structure | OUTbonus cash-back plus comprehensive optional extras |
Naked
- Fully app-based and quick to set up
- CoverPause lets you save on days you are not driving
- Transparent, fixed-fee pricing model
- App-only — no branch or broker channel
- A newer brand than the large traditional insurers
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
The core question is whether you want a modern, app-first insurer or an established, service-led one. Naked appeals if you like managing everything from your phone, value transparent fixed fees and would use CoverPause to trim costs when the car sits idle. OUTsurance appeals if you would rather lean on a long service track record and earn the OUTbonus for claim-free driving. Neither is guaranteed cheaper, since both price on your profile. Compare a quote from each for the same cover, and decide which mix of control, service and rewards fits you best.
Frequently asked questions
Is Naked cheaper than OUTsurance?
Does Naked have anything like the OUTbonus?
Is Naked only available through an app?
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