OUTsurance Car Insurance 2026 Review
The original SA "Always Get Something Out" insurer. OUTbonus returns 10% of premiums every 3 claim-free years — over R7.5 billion paid out since 1998. Comprehensive, Third Party Fire & Theft, or Third Party Only options.
Key features
- • OUTbonus: 10% of premiums back after 3 claim-free years, repeating
- • Beat my premium: R500 if OUTsurance can't beat your current, R1,500 if you're 3+ years claim-free
- • Help@OUT: Bundled roadside, hijack, locksmith, towing assistance
- • OUTsurance Telematics available for usage-based discount
- • Comprehensive / TP F&T / Third Party Only cover options
- • Excess: compulsory basic + optional voluntary buy-up
- • Replacement-value cover for new vehicles (typically <12 months / <40,000km)
Frequently asked questions
How does OUTsurance OUTbonus work on car insurance?+
OUTsurance returns 10% of paid premiums as cash after 3 consecutive claim-free years. After that, a further 10% every 2 claim-free years, then 10% every claim-free year thereafter. Cycle resets if you claim. Since 1998, OUTsurance has paid R7.5 billion+ in OUTbonuses to 994,600+ clients.
What is the OUTsurance "Beat my premium" promo?+
OUTsurance offers R500 if it can't beat your existing car insurance premium, or R1,500 if you've been claim-free for 3 years with your current insurer. Mechanism designed to capture switchers from competitors.
Does OUTsurance require a vehicle tracker?+
Not blanket-mandatory — applied risk-based on vehicle value (typically >R250k), area and theft risk. Confirm tracker requirement at quote stage. OUTsurance accepts Beame, Cartrack, Tracker brands or offers its own OUTsurance Telematics device.
What is included in OUTsurance comprehensive cover?+
Standard comprehensive includes own damage, theft, fire, third-party liability. Help@OUT assistance bundled — towing, locksmith, jump-start, hijack assistance. Off-road assistance and new-car replacement-value cover (for vehicles <12 months / <40,000km) available as add-ons. Excess structure: compulsory basic excess plus optional voluntary excess buy-up.
Important
This article is for general information only and is not financial advice. Figures and rules change frequently — always verify with the official source before acting.