OUTsurance Car Insurance

OUTsurance car insurance in South Africa

Written by Lerato Molefe Personal Insurance Writer Reviewed by Nomsa Dlamini RE5 qualified · 12 years in short-term insurance Updated 26 July 2026 Our editorial standards →

OUTsurance car insurance at a glance

OUTsurance is one of South Africa's largest direct insurers, known for strong service and its OUTbonus, which pays cash back to customers who remain claim-free over an agreed period.

Key takeaways

Known for: The OUTbonus - cash back if you stay claim-free over an agreed period..
Best for: Drivers who want reliable service and a cash-back reward for staying claim-free..
No insurer is cheapest or best for everyone - your price depends on your car, area, age and history.
Comparing OUTsurance against other insurers is the only way to know if it's right for you.

About OUTsurance

OUTsurance is a well-established direct insurer with a strong reputation for customer service. Its signature OUTbonus rewards claim-free customers with a cash payout, reinforcing its slogan that you 'always get something OUT'.

What OUTsurance car insurance covers

Like most South African insurers, OUTsurance offers car cover at three broad levels. The right one depends on your car's value and your budget:

Comprehensive

The widest cover - accident damage to your own car, plus theft, fire and third-party liability.

Third-party, fire & theft

Third-party damage plus fire and theft of your own car.

Third-party only

The cheapest cover - damage you cause to others, not your own car.

OUTsurance also offers: Car, Home contents, Buildings, Life, Business.

What affects your OUTsurance premium?

OUTsurance prices each driver on risk, so two people can pay very different amounts. The main factors are the same across insurers:

The make, model, age and value of your car - and how likely it is to be stolen
Where you live and where the car is parked overnight
Your age, driving history and previous claims
The cover level and the excess you choose
Security features such as an approved tracking device

See our premium indicator to understand what raises or lowers your price.

How to get a OUTsurance car insurance quote

You can approach OUTsurance directly, but a single quote tells you little on its own. The smart move is to compare OUTsurance against several insurers at once for your exact car and profile - that's how you find out whether it's genuinely competitive for you, or whether another insurer offers the same cover for less.

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OUTsurance: pros and cons

Pros

OUTbonus cash-back for claim-free customers
Strong customer-service reputation
Comprehensive cover options

Cons

Not always the cheapest premium
Full benefits reward long-term, claim-free customers

Want the full breakdown? Read our in-depth OUTsurance review.

Frequently asked questions

Is OUTsurance car insurance good?

OUTsurance is one of South Africa's largest direct insurers, known for strong service and its OUTbonus, which pays cash back to customers who remain claim-free over an agreed period. Read our full OUTsurance review for the detail, and compare quotes to see how it fits your profile.

How do I get a OUTsurance car insurance quote?

You can request a quote from OUTsurance directly, but the best way to know whether it's competitive is to compare it against several insurers at once for your exact car and profile. Get a free comparison to see where OUTsurance lands.

Is OUTsurance car insurance cheap?

No single insurer is cheapest for everyone - OUTsurance may be competitive for some drivers and not others, depending on your car, area, age and history. Compare quotes to find your best price rather than assuming.

What is the OUTbonus?

The OUTbonus is a cash amount OUTsurance pays back to customers who stay claim-free over an agreed period - a reward for careful, low-risk driving.

Is OUTsurance good for car insurance?

OUTsurance is popular for its service and OUTbonus. It may not always be the cheapest, so it's worth comparing a quote against other insurers.

OUTsurance head-to-head

Compare OUTsurance with other insurers

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