Car insurance companies

Questions you need to ask your insurer

At OUTsurance, factors such as fixed car insurance excesses, and comprehensive cover form part of our car insurance product offering. But, with other car insurance companies in South Africa, this may not always be the case.

Insurers may make assumptions about you and your risk profile. This may mean that you end up subsidising high-risk clients when you may be a low-risk client.

At OUTsurance, we don't make any assumptions: not about you, your car or your car insurance requirements. We work on facts only. That's why we ask you questions about the colour of your car, how far you commute every day, whether you use your car for private purposes only, etc. The way we see it - the more questions we ask, the better we're able to accurately calculate your car insurance premium and possibly save you money! You've got nothing to lose, get a quote from OUTsurance today.

What is included in your cover? 

When you get a car insurance quote, make sure to ask what your policy covers.  Are you insured no matter what may happen (i.e. theft, hail damage, fire, etc.) and what are the exclusions to your personal cover? Make sure that you're getting what you're paying for.

At OUTsurance, we're dedicated to making sure you get the best, all-inclusive car insurance package possible. That's why you'll be insured for anything from hijacking, theft, accidental damage, third party damage, hail damage, fire and any acts of nature. Not all insurers offer these as part of their standard car insurance cover.

Do you offer a fixed excess?

At OUTsurance, your excess is fixed - irrespective of the claim amount. Best of all - you determine the excess amount when you request a car insurance quote from us. A higher car insurance excess will result in a lower monthly premium and a lower excess amount, will increase your monthly car insurance premium.

Other insurers may charge you a proportionate excess which means that if, for example - you're involved in a car accident, you'll need to pay a set percentage of the total cost to repair the damage to the vehicle. You won't know how much an accident will cost you until it has actually happened.

Also, if for example, your car is valued at R300,000 and gets stolen or written off due to an accident, your percentage excess can easily be 10% which - in this case - means that you'll need to pay an excess amount of R30,000. This is a huge amount of money which you may not necessarily have available at the time.

Get a comprehensive car insurance quote from OUTsurance today and determine your own fixed excess amount.

When you take out insurance, ask the insurance company to explain to you how their car insurance excess differ based on different types of car insurance claims, how often your car insurance premium will increase, and under what circumstances your car will not be covered. Be sure to ask what benefits are automatically included as part of the car insurance product offering.

For a car insurance company that offers their clients the best combination of great products and awesome service, contact OUTsurance to get a car insurance quote today.

When do you increase my car insurance premium?

Car insurance companies in South Africa may increase your premium at what feels like a moment's notice. It may feel that once you submit a claim, you'll be hit with a hefty premium increase the very next month.

At OUTsurance, your car insurance premium is reviewed once a year on the renewal date of your policy, not after each claim submitted.

Who are the best car insurance companies in South Africa? 

When you're shopping around for car insurance, it's about more than just price. You can also review the following:

• Ombudsman for Short-Term Insurance Annual Report

Refer to the annual report published by the Ombudsman for Short-Term Insurance (OSTI) and view the rankings of the Short-Term Insurers in South Africa in terms of the number of complaints received per insurer.  The report refers to the 'referral rate' which shows the number of complaints sent to OSTI, per thousand claims received by an insurer. You will also be able to view whether the Ombudsman agrees or disagrees with the insurer's decision.  

• Short-term insurance industry awards

Typical Short-Term insurance industry awards include the annual News24 Business Award, the Ask Afrika Orange Index Award, and the Ask Afrika Icon Brands Benchmark Survey. You can also review the results from the Kantar BrandZ Awards. 

• Readers' Choice Awards

The Readers' Choice Awards are awarded by readers of various newspaper publications who vote for their favourite from a shortlist of the best car insurance companies in South Africa. Examples of these include the Beeld Jou Keuse Award, Best of Pretoria Award, City Press Readers' Choice Award, and the Daily Sun Readers' Choice Award.

Make sure you get the best value for money

Get insured with the insurance company that offers you the best value for money. Did you know that you can ask us for R500 cash if we can’t beat your current car insurance premium at another insurer? If you’ve been claim free and with the same car insurance company for three years, you can ask us for R1500 instead. Click here for more info on our car insurance promotion and for the applicable terms and conditions.