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Cars and other vehicles – let’s keep you moving

Whatever you drive, you’ll want to keep it protected. And with us, you’ll always get more than you bargained for.

Choose us for comprehensive insurance and you’ll be covered against loss or damage from pretty much anything. These can include 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 an accident is your fault.

On a tight budget? Consider Essential car insurance for cars older than five years, worth under R125 000 and not financed.

Why choose comprehensive car insurance from OUTsurance?

Best price guarantee

Get R400 if we can't beat your current premium. R800 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.

Free Help@OUT

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

12-month guarantee

Your premium is guaranteed not to change for 12 months at a time, even if you submit a claim during this period.

Low flat excess

Irrespective of the size or value of your claim, your 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 elses car.

Lost and stolen keys

You’re covered if your car key are 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.

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4x4 Insurance

Get this addition if you travel beyond our borders to neighbouring African countries. This covers loss and damage to your 4x4 vehicle, trailer, motorcycle, caravan or watercraft, and includes off-road use (to the vehicle manufacturer’s specifications).

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SmartDrive

Share your driving behaviour through our app on your smartphone and we’ll give you a 10% discount on your premiums.

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Legal and medical assistance

Add this to your Help@OUT package and you’ll get 24/7 advice over the phone, 24/7. Get legal assistance and documentation, as well a medical support that includes emergency response, medical transportation, hospital transfers and more.

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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).

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Sound equipment

Add this and your vehcile’s factory-fitted or non-factory-fitted sound equipment are covered for loss and damage.

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Bicycle insurance

We may not know the latest on race strategy or training regimes but we are the 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.

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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.

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Personal accident insurance

Add this to your vehicle, home contents, buildings insurance policy for added peace of mind. You and any member of your household between 14 and 70 get R25 000 cover if death or disability results from an accident.

Exclusive extras for women

For a small additional premium, you can take up Lady@OUT. Among a host of benefits, you get added handbag cover, free handyman callouts and added security when you drive or at home.

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Download car insurance brochure for more information.

Comprehensive vs. Essential insurance

Pick the car insurance option to suit you needs and your pocket.

	Comprehensive	Essential
Vehicles covered	Any car, motorbike, trailer, caravan or watercraft.	Cars under five years old, unfinanced and worth under R125 000.
OUTbonus
12-month premium guarantee
Excess	Low, flat excess (you can decide).	R1 000 standard excess.
Liability cover	Up to R5 million standard (extendable).	Up to R1 million.
Theft cover	Up to the sum insured, less the excess.	Up to retail value, less your excess.
Accident cover		Up to 40% of the retail value.
When you claim	We’ll assist with repairs through our approved panel beaters.	You’re paid out in cash.
	Start Quote	Start Quote

Need to submit a claim?

Making a claim is easy via the website, my.outsurance portal, the App or our friendly call centre. Find out everything you need to know in our How to claim section.

Find out more Submit a claim

We also offer Home insurance and Personal possessions insurance.