Looking for car insurance in South Africa? Don’t settle for second best!
You deserve the most comprehensive car insurance cover, the fastest and most efficient claims service, the most knowledgeable claims advisors as well as the lowest prices out there!
We’ve designed our car insurance packages to provide you with comprehensive cover, backed up by awesome service and impressive claim turnaround times. Our expertly trained advisors will gladly assist you in getting the best car insurance product for your specific insurance needs at a price you can afford.
In our view, you're only one call away from getting a quote from one of the very best car insurance companies in SA. But don't just take our word for it, click here to view the detailed list of our most recent awards,
start a car insurance quote onlineWhat makes OUTsurance car insurance different?
OUTsurance reviews your premium once a year on the renewal date of your policy and not after each claim submitted. Also, your excess amount remains fixed – irrespective of the size of your claim. This is backed up with world-class customer service, expert sales advice, and awesome claims service.
In addition to this, we also ask you a few more questions during quote stage to make sure that you don’t pay one cent extra than you need to. For example, did you know that you may pay a lower car insurance premium if your car is parked in a secure parking area during the day?
Other benefits that form part of our standard car insurance product offering, include:
- Help@OUT emergency roadside assistance – available 24/7
- An OUTbonus as a reward for remaining claim free
- A fixed excess, irrespective of the actual claim amount
- No fine print or hidden costs.
Read more about the OUTsurance car insurance product offering.
Frequently asked questions about car insurance in South Africa
When you're looking for affordable car insurance in South Africa and comparing car insurance quotes from various insurance companies, always compare the quoted premium by looking at the list of included benefits and value-added services in addition to looking at the actual car insurance premiums.
In other words, are you getting the best value for money? The way we see it, OUTsurance ticks all the boxes - in fact, when in comes to comparing car insurance quotes from different car insurance companies, you'll be pleased to know that OUTsurance is ready to go all out to see if they can save you money on your car insurance and give you a premium that fits your budget perfectly.
If they can't beat your current car insurance premium, you can ask them for R500 cash. Or R1500 if you've been with the same insurer for more then three years without claiming. Click here for more information on the R500 car insurance quote promotion.
Read your policy wording to see if a specific incident is covered by your insurer. If you've taken out comprehensive car insurance with OUTsurance, you're covered for loss or damage caused by fire, acts of nature (e.g. hail storms) , accidents, intentional damage, theft, hijacking, as well as attempted theft or hijacking.
Liability cover (third party claims) automatically form part of your comprehensive car insurance package.
South Africa boasts a long list of car insurance companies. The search term best car insurance South Africa is sure to provide you with quite a few options. And this is where it becomes crucial to be able to know how to distinguish between insurers who will meet your expectations and those who will go the extra mile to exceed those expectations. There are a few factors to consider:
Your monthly car insurance premium
This is the amount that you will need to pay in order to enjoy cover.
When it comes to protecting your car, you need an insurer who will be there for you when you need them most. At OUTsurance, we proud ourselves on providing you with awesome service, all of the time. If you need to submit a claim, we'll do our best to process your claim as quickly as possible so that you can get back on the road in no time. In fact, looking at internal data from the 2024 calendar year, we've approved personal vehicle claims within 1.4 working days on average.
The product offering and included benefits
Review the product offering (i.e. what is covered, what is excluded from your cover) and also look at included benefits such as emergency roadside assistance or medical assistance. OUTsurance offers 24/7 Help@OUT roadside assistance as well as Panic Assistance where you can request medical assistance or armed response directly from the OUTsurance App.
The applicable excess you need to pay if you claim
At OUTsurance, your excess remains fixed, regardless of the value of your claim. Some insurers charge percentage-based excesses which is calculated on the final claim amount. When you get a car insurance quote, make sure to ask about the excess amount, whether they charge a fixed excess, a percentage-based excess and whether any additional excesses apply.
Ask your insurer about any hidden costs or fine print. At OUTsurance, we do not have any fine print or hidden costs.
Short-term insurance industry awards
This gives you a good indication of the number of awards won by a specific insurance company and it may give you a good indication of the type of service you can expect.
The Ombudsman for Short-Term Insurance Annual Report
The Ombudsman for Short-Term Insurance (OSTI) publishes an annual report that may prove useful in reviewing the number of complaints received as well as the type of complaints received per insurer during a specific calendar year.
Ask your insurance company if they offer any type of reward if you should remain claim free for a specific period of time. OUTsurance was the first car insurance company in South Africa to introduce the concept of paying out a reward to clients for remaining claim free. It's called the cash OUTbonus and it works on the principle of getting 10% of your paid premiums back in cash if you remain claim free for a three consective years, 10% of your paid premiums if you remain claim free for the next two years, and then 10% of your paid premiums back in cash for every claim-free year thereafter.