Why choose OUTsurance?

Car Insurance Products

Great products

We have designed our car insurance product to make sure that you'll be covered no matter what happens.We'll even cover your car if you give consent to someone other than the regular driver to drive it, as long as this person has a valid driver's license.

Save on your Car Insurance

Monthly savings

At OUTsurance, we choose to make fewer assumptions about you, your car, or your car insurance needs. Your car insurance premium is based on your personal risk factors. So, if you have a low risk profile, we'll reward you with a low premium.

Car Insurance Claims

Awesome service

Our claims team will process your claim faster than you'd ever expect - we're dedicated to get you back on the road as quickly as we can. We'll also make sure that your vehicle is repaired by one of our approved panel of repairers. All repairs are guaranteed for 12 months.

Cash OUTbonus

Cash OUTbonus

Receive a cash OUTbonus after three consecutive years of not claiming. We have paid out over R1 billion in OUTbonuses to date.

Car insurance products up for grabs!

Our comprehensive car insurance product is one of our premier insurance packages! We've gone out of our way to make sure that you are covered if your vehicle is in an accident, or if you can be held legally liable for damage to someone else's property. Your vehicle is also covered for theft and hijack. Not to mention acts of nature - there's no storm or earthquake big enough that could get in the way of us protecting your assets. If you're a motorcycle enthusiast, you'll be happy to know that you can also take out comprehensive and limited motorcycle insurance for your superbike, tourer, off-road bike, cruiser, scooter and quad bike.

Limited car insurance


You are covered for damage to your own vehicle caused by fire as well as for damage caused to the property of other parties. Your vehicle is also covered for theft and hijack. Accidental damage to your own vehicle is not covered.

Liability to other parties

You are covered for liability to other people where a vehicle accident caused damage to their property

Essential insurance

Essential OUTsurance is a no-frills option that provides cheap car insurance for vehicles that are not financed, valued at less than R50 000 and older than five years. The good news is that a significant portion of the damage to your own vehicle will be paid for - getting you back on the road again. Click here for a budget insurance deal.


A comprehensive vehicle insurance package designed around your unique driving style. Your premium is based on how you drive which means that if you've adopted a safe, conservative driving style - you'll be rewarded with significantly lower insurance premiums. Click here for more information.

Car insurance quote

OUTsurance car insurance provides affordable insurance for your car, vehicle and auto motor. Get an insurance car quote online and save.

Awesome car insurance benefits

Guaranteed premiums

Enjoy peace of mind, knowing that your motor insurance premium stays fixed for 12 months.

Fixed excesses

Your excess will remain fixed regardless of the value of your claim, so you always know what you will have to pay in case of an incident. You can also select a lower fixed excess by paying a higher premium or a higher excess and pay a lower premium. You can choose to insure your vehicle for its retail value rather than its market value - giving you a better chance of replacing your vehicle with a similar one in the event of a theft or write off.


Receive free Help@OUT emergency roadside assistance - 24 hours a day, 7 days a week.

Cover outside South Africa

You'll have car insurance cover in countries outside South Africa (Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe). Also have a look at our OUT-in-Africa product where you'll be covered in even more countries.

More benefits

We have negotiated special reduced rates on tracking devices with various service providers. The rates are only applicable to OUTsurance clients. So, when it comes to protecting your vehicle - we all benefit and you save. We'll pay reasonable towing costs to tow your vehicle to the nearest repairer; you get up to R1 500 in medical costs per passenger in case of a car accident (Comprehensive and Limited Car Insurance); and you'll receive liability cover for up to R5 million. 

Add that little something extra

Why not add one or more of our great optional products to your car insurance cover?

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 Sound equipment

This optional product provides the perfect solution for covering all sound equipment, including factory-fitted and after-market fitments. This includes all components of the sound equipment, its speakers and amplifiers.

 Non-standard accessories

If you add accessories such as tow bars, boot spoilers, bull bars or leather seats that were not factory fitted - we will cover them under our optional cover.


OUT-in-Africa is a great add-on, especially if you travel to countries outside South Africa such as Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. Click here for more information.

 Car hire

This option provides you with a rental car for up to 30 days if your vehicle has been stolen, hijacked or damaged in an accident and is being repaired at the panel beater. 

 Business use in other countries

This optional vehicle insurance cover extends business use to Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. You can get additional cover for business trips to other African countries to include Kenya, Tanzania, Uganda and Zambia as well as all areas South of Lubumbashi in the DRC.

 Vehicle credit shortfall

This optional product covers the difference between the OUTsured value and the outstanding amount that you owe on your vehicle. The outstanding amount will be paid to the finance company following a claim where your vehicle is written off, stolen or hijacked and not recovered.


Buddy@OUT provides you with a great alternative to drinking and driving. A Good Fellas driver will make sure you and your car arrives home safely after you've enjoyed a few drinks. Click here for more information.

 Vehicle credit life

Vehicle credit life enables you to carry on paying for your vehicle if you die, become disabled, fall critically ill or are retrenched. Click here for more information.

* Business OUTsurance also provides car insurance for businesses.