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Comprehensive cover for cars and other vehicles – let’s keep you moving

Whatever you drive, you’ll want to keep it protected. With our fully comprehensive motor insurance, you’ll always get more than you bargained for.

Choose OUTsurance for comprehensive insurance and to enjoy cover against loss or damage caused by theft, hijacking, accidents, flood, hail and even intentional damage caused by someone else.

You’re even covered for other people’s loss or damage if you can be held legally liable for this loss.

On a tight budget? As an alternative to getting comprehensive car insurance quotes only, you may want to consider Essential car insurance for car insurance that's been custom designed and perfectly priced for unfinanced cars older than five years and valued at less than R130,000.

Comprehensive cover for cars and other vehicles

Why choose comprehensive car insurance from OUTsurance?

Best price guarantee

Ask for R500 if we can't beat your current premium. R1500 if you haven't claimed for three years.

OUTbonus

You’ll get 10% of your premiums paid back in cash after three claim-free years.

Help@OUT

Call on us for emergency roadside assistance, whenever you need it, 24/7.

Fixed excess

Irrespective of the size or value of your car insurance claim, your car insurance excess remains fixed.

Top panel beaters

Your vehicle will be repaired by one of our approved service providers and your repairs are guaranteed for a 12-month period.

Liability cover

We pay up to R5 million (or more if you choose) if you're legally responsible for damage to a third party. You're even covered when you drive someone else's car.

Lost and stolen keys

You’re covered if your car key is lost or stolen, or if they are damaged in an accident.

Medical expenses

In the event of an accident, this will cover medical costs for injured passengers, including transportation to hospital.

Add these to your comprehensive car insurance for complete peace of mind

Car hire

For a small additional premium, you can get up to 30 days’ car hire following a claimable accident, or in the case of a theft or hijacking.

You can even choose which type of vehicle you get when taking up this option.

Find out more about our optional car hire product

4x4 Insurance

With OUTsurance, you can add optional cover for travel beyond South Africa. This includes protection for your 4x4, trailer, motorcycle, caravan, or watercraft, even for off-road use (as per manufacturer specs) as an add-on to your comprehensive insurance cover.

Find out more about OUT-in-Africa, our 4x4 insurance

SmartDrive

Register for SmartDrive through the OUTsurance App and start tracking your driving habits. As the regular driver of a vehicle, you’ll earn a 10% discount on your premium just by monitoring your behaviour and following the feedback provided.

Find out more about SmartDrive@OUT

Credit shortfall

We can give you cover for the shortfall that occurs when your outstanding vehicle finance amount is more than the amount your vehicles is insured for – in the event of a total loss (write-off or unrecovered theft).

Find out more about credit shortfall.

Sound equipment

With OUTsurance comprehensive car insurance, your vehicle’s standard factory-fitted sound equipment is automatically covered. But if you've installed additional sound gear, you can specify these items for optional cover.

Find out more about insuring sound equipment

Bicycle insurance

We may not know the latest on race strategy or training regimes, but we consider ourselves to be experts when it comes to bicycle insurance. With our cover, you’re insured for theft and damage during a race, training and whilst on a social ride. Bicycle insurance can be added to your car insurance or portable possessions insurance.

Find out more about Bicycle insurance

Watercraft insurance

Get comprehensive cover for your watercraft, whether it is being transported, ashore or afloat on coastal or inland waters. Included here is wreckage salvage and even legal liability in the event of an accident.

Find out more about Watercraft insurance

Download our car insurance brochure for more information.