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What to expect when getting an OUTsurance car insurance quote

 In as little as 10 minutes, you could get a personalised car insurance quote and potentially save on your monthly car insurance premium.

Because we want to offer you the most affordable car insurance while still giving you value-for-money cover, we don't make any assumptions about you or your car insurance needs.

Instead, we ask questions to better understand your unique circumstances and the risks you may need to be covered for so that you don’t end up paying for what you don’t need.

Typical questions

  • What is the colour of your car?
  • Have you completed any advanced driving courses?
  • Do you use the car for business or for private purposes?
  • Where do you park your car during the day?
  • Your previous claims experience

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OUTsurance comprehensive car insurance

What does comprehensive car insurance cover?

Our comprehensive car insurance covers you against loss or damage to your vehicle and for other people’s loss or damage if you are legally liable for the accident. It also gives you access to our full range of benefits, including a fixed excess, 24/7 roadside assistance, up to R5 million liability cover and our famous cash OUTbonus, which is a cash bonus awarded to clients who remain claim-free.

 

Why you should choose comprehensive car insurance from OUTsurance

Help@OUT emergency roadside assistance
Help@OUT emergency roadside assistance

OUTsurance comprehensive car insurance clients have access to Help@OUT, our emergency assistance service. With just the push of a button on our app, roadside assistance will be sent to your rescue no matter how far away from home you are, as long as you’re still in South Africa

Lost and stolen keys
Lost and stolen keys

If you lose your car keys or they get stolen or damaged, you will be covered. Best of all, you will not be charged extra to add this cover to your policy for as long as you’re an OUTsurance comprehensive car insurance client.

cash OUTbonus
OUTbonus

We reward our clients for remaining claim free with a cash OUTbonus! If you don’t claim for three consecutive years, you will receive  10% of your paid insurance premiums back in cash

Switch to OUTsurance or get R500
Switch to OUTsurance or get R500

We are so confident in our affordable motor insurance offering that we’re willing to put money on it. Get a motor vehicle insurance quote to see how much you could save with OUTsurance.

If we can’t beat your current car insurance premium on a like-for-like basis, ask for R500 or even R1500 if you have been claim free and with the same insurer for the past three years. Ts and Cs apply.

OUTsurance comprehensive car insurance

What does comprehensive car insurance cover?

Our comprehensive car insurance covers you against loss or damage to your vehicle and for other people’s loss or damage if you are legally liable for the accident. It also gives you access to our full range of benefits, including a fixed excess, 24/7 roadside assistance, up to R5 million liability cover and our famous cash OUTbonus, which is a cash bonus awarded to clients who remain claim-free.

 

Why you should choose comprehensive car insurance from OUTsurance

Help@OUT emergency roadside assistance
Help@OUT emergency roadside assistance

OUTsurance comprehensive car insurance clients have access to Help@OUT, our emergency assistance service. With just the push of a button on our app, roadside assistance will be sent to your rescue no matter how far away from home you are, as long as you’re still in South Africa

Lost and stolen keys
Lost and stolen keys

If you lose your car keys or they get stolen or damaged, you will be covered. Best of all, you will not be charged extra to add this cover to your policy for as long as you’re an OUTsurance comprehensive car insurance client.

cash OUTbonus
OUTbonus

We reward our clients for remaining claim free with a cash OUTbonus! If you don’t claim for three consecutive years, you will receive  10% of your paid insurance premiums back in cash

Switch to OUTsurance or get R500
Switch to OUTsurance or get R500

We are so confident in our affordable motor insurance offering that we’re willing to put money on it. Get a motor vehicle insurance quote to see how much you could save with OUTsurance.

If we can’t beat your current car insurance premium on a like-for-like basis, ask for R500 or even R1500 if you have been claim free and with the same insurer for the past three years. Ts and Cs apply.

What factors could affect your car insurance quote?

Your monthly car insurance premium can vary even when you’re quoted for the same car and similar mileage. That’s because your policy price is based on your individual risk profile and the details you provide. Key factors that can affect your quote include:

Your driving and car insurance claim history

Your driving history is one of the factors insurers use to calculate a car insurance quote.

The number of accidents you have been involved in, regardless of whether or not you were the cause, will be considered and another factor that is taken into consideration is the number of years you have had  a driver’s licence.

What the car is used for

Insurance for cars that are used for business will generally be more costly because you spend more time on the road, which increases your risk for accidents.

Furthermore, if the nature of your business requires you to travel with equipment and tools, you will need to make sure that your equipment is appropriately covered. You may also want to speak to our Business OUTsurance team about business vehicle insurance solutions.

Vehicle type

The higher the value of your car, the more you may need to pay for your car insurance. This is because it would generally cost more to repair a more expensive/luxury car if you’re involved in an accident or if it has to be replaced compared to a vehicle of a lower value. Additionally, modifications could also cause your car insurance premium to increase.

Even when two insurers quote you for the same car, your monthly car insurance premium can still differ. That’s because each insurer uses its own pricing model and risk assessment based on the details you provide.

If you want to lower your car insurance quote, start by comparing policies on a like-for-like basis: make sure the cover limits, chosen excess, and included benefits (such as roadside assistance or claim-free rewards) are equivalent.

Then consider practical ways to adjust your premium — without reducing the cover you actually need — by reviewing your excess (an affordable excess can reduce your premium), keeping your vehicle-use details up to date (private vs business), and confirming accurate parking and driving information.

Finally, request a personalised quote so the insurer can price your policy correctly for your specific risk profile.

What factors could affect your car insurance quote?

Your monthly car insurance premium can vary even when you’re quoted for the same car and similar mileage. That’s because your policy price is based on your individual risk profile and the details you provide. Key factors that can affect your quote include:

Your driving and car insurance claim history

Your driving history is one of the factors insurers use to calculate a car insurance quote.

The number of accidents you have been involved in, regardless of whether or not you were the cause, will be considered and another factor that is taken into consideration is the number of years you have had  a driver’s licence.

What the car is used for

Insurance for cars that are used for business will generally be more costly because you spend more time on the road, which increases your risk for accidents.

Furthermore, if the nature of your business requires you to travel with equipment and tools, you will need to make sure that your equipment is appropriately covered. You may also want to speak to our Business OUTsurance team about business vehicle insurance solutions.

Vehicle type

The higher the value of your car, the more you may need to pay for your car insurance. This is because it would generally cost more to repair a more expensive/luxury car if you’re involved in an accident or if it has to be replaced compared to a vehicle of a lower value. Additionally, modifications could also cause your car insurance premium to increase.

Even when two insurers quote you for the same car, your monthly car insurance premium can still differ. That’s because each insurer uses its own pricing model and risk assessment based on the details you provide.

If you want to lower your car insurance quote, start by comparing policies on a like-for-like basis: make sure the cover limits, chosen excess, and included benefits (such as roadside assistance or claim-free rewards) are equivalent.

Then consider practical ways to adjust your premium — without reducing the cover you actually need — by reviewing your excess (an affordable excess can reduce your premium), keeping your vehicle-use details up to date (private vs business), and confirming accurate parking and driving information.

Finally, request a personalised quote so the insurer can price your policy correctly for your specific risk profile.

Frequently asked questions about getting a car insurance quote

How long does it take to get car insurance quotes from OUTsurance?

You could save thousands of rands on comprehensive vehicle cover in just a few minutes. Get a car insurance quote online for quick, convenient pricing — or call OUTsurance to speak to an expert sales advisor if your vehicle is complex, your circumstances are unusual, or you’d like help choosing the right cover. Simply click here to start your online quote, or call OUTsurance on 08 600 60 000 to get personalised guidance.

Where can I compare car insurance quotes?

Start with our comparison page to see real examples of what drivers in South Africa pay with OUTsurance. The table compares six clients’ previous policies with their new OUTsurance premiums, helping you benchmark like-for-like.

When you compare, don’t only look at the monthly car insurance price. Check the cover limits, your chosen excess, and the benefits included in the policy (for example, roadside assistance or claim-free rewards).

Discounts and savings can vary from person to person. OUTsurance assesses any verified premium discounts during your personalised online car insurance quote based on your details and eligibility — so your final premium may be different from the examples on the page. Note: claim-free rewards and switching offers (such as cash back) are separate from discounts applied to your quoted premium.

For real switching stories, see our client savings page, where actual clients share monthly savings ranging from R531 to R899.

Both pages are a useful benchmark, but your own premium depends on your unique risk profile — so get a quote to see if you could save. If we can't beat your premium, ask us for R500 or R1,500 if you've been claim-free with your insurer for three years

What information do I need for a car insurance quote?

To get an online car insurance quote, you’ll need to provide personal details, your full insurance and claims history, and detailed vehicle information. For certain special vehicles, the insurer may also request a professional valuation to confirm the correct value.

It’s important to enter accurate information. Your quoted policy premium is based on the details you provide, but it can change once your vehicle, claims history and insurance information are verified. Providing complete and truthful information helps improve the accuracy of your quote and reduces the risk of unexpected premium changes or policy complications later.

Is it better to get car insurance quotes online or by phone?

Online car insurance quotes are quick and convenient, but a form can only ask standard questions — so you get a fairly generic result.

A phone call goes further. A consultant can ask about your actual circumstances, pick up details a form would miss, and explain your cover options before you commit.

That's why OUTsurance does car insurance quotes over the phone: instead of a one-size-fits-all product, your premium and cover are built around your unique risk profile.

Does third party cover form part of the quote?

Yes. You get up to R5 million liability cover as part of our fully comprehensive car insurance product. Third party cover provides you with cover if you can be held legally responsible for causing damage to someone else's vehicle or their property.

What happens if OUTsurance is more expensive than my current car insurance?

The OUTsurance team is so confident that they can beat your current vehicle insurance premium that you can ask them to pay you R500 cash if they're more expensive.

If you've been claim free and with the same insurer for three consecutive years, you can ask OUTsurance to increase the amount to R1500 if they're unable to beat your premium. Terms and conditions apply [See link for more]. You'll either enjoy a monthly saving or receive cash back. It's a win-win.

Do car insurance quotes affect my credit score?

No, getting a car insurance quote does not affect your credit score. While insurers may check your financial information to provide a quote, this process is not the same as a credit application and won’t harm your credit rating.

Frequently asked questions about getting a car insurance quote

How long does it take to get car insurance quotes from OUTsurance?

You could save thousands of rands on comprehensive vehicle cover in just a few minutes. Get a car insurance quote online for quick, convenient pricing — or call OUTsurance to speak to an expert sales advisor if your vehicle is complex, your circumstances are unusual, or you’d like help choosing the right cover. Simply click here to start your online quote, or call OUTsurance on 08 600 60 000 to get personalised guidance.

Where can I compare car insurance quotes?

Start with our comparison page to see real examples of what drivers in South Africa pay with OUTsurance. The table compares six clients’ previous policies with their new OUTsurance premiums, helping you benchmark like-for-like.

When you compare, don’t only look at the monthly car insurance price. Check the cover limits, your chosen excess, and the benefits included in the policy (for example, roadside assistance or claim-free rewards).

Discounts and savings can vary from person to person. OUTsurance assesses any verified premium discounts during your personalised online car insurance quote based on your details and eligibility — so your final premium may be different from the examples on the page. Note: claim-free rewards and switching offers (such as cash back) are separate from discounts applied to your quoted premium.

For real switching stories, see our client savings page, where actual clients share monthly savings ranging from R531 to R899.

Both pages are a useful benchmark, but your own premium depends on your unique risk profile — so get a quote to see if you could save. If we can't beat your premium, ask us for R500 or R1,500 if you've been claim-free with your insurer for three years

What information do I need for a car insurance quote?

To get an online car insurance quote, you’ll need to provide personal details, your full insurance and claims history, and detailed vehicle information. For certain special vehicles, the insurer may also request a professional valuation to confirm the correct value.

It’s important to enter accurate information. Your quoted policy premium is based on the details you provide, but it can change once your vehicle, claims history and insurance information are verified. Providing complete and truthful information helps improve the accuracy of your quote and reduces the risk of unexpected premium changes or policy complications later.

Is it better to get car insurance quotes online or by phone?

Online car insurance quotes are quick and convenient, but a form can only ask standard questions — so you get a fairly generic result.

A phone call goes further. A consultant can ask about your actual circumstances, pick up details a form would miss, and explain your cover options before you commit.

That's why OUTsurance does car insurance quotes over the phone: instead of a one-size-fits-all product, your premium and cover are built around your unique risk profile.

Does third party cover form part of the quote?

Yes. You get up to R5 million liability cover as part of our fully comprehensive car insurance product. Third party cover provides you with cover if you can be held legally responsible for causing damage to someone else's vehicle or their property.

What happens if OUTsurance is more expensive than my current car insurance?

The OUTsurance team is so confident that they can beat your current vehicle insurance premium that you can ask them to pay you R500 cash if they're more expensive.

If you've been claim free and with the same insurer for three consecutive years, you can ask OUTsurance to increase the amount to R1500 if they're unable to beat your premium. Terms and conditions apply [See link for more]. You'll either enjoy a monthly saving or receive cash back. It's a win-win.

Do car insurance quotes affect my credit score?

No, getting a car insurance quote does not affect your credit score. While insurers may check your financial information to provide a quote, this process is not the same as a credit application and won’t harm your credit rating.

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