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We understand how important your privacy is and will protect your personal information. By providing your personal information you agree that we may process it to furnish you with a quote and that we may contact you for future direct marketing purposes. You may opt out of these communications at any time. Also note that some advisors work under supervision.  This is to ensure that you’ll get nothing but awesome service, all of the time! Premiums quoted are risk profile dependent and reviewed annually based on risk profile and economic factors. Ts, Cs and limits apply. It is important to provide us with correct information, otherwise it could affect the outcome of your claim. The OUTbonus is a standard product feature, only paid after three claim-free years and premium dependent.

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What does comprehensive car insurance cover?

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 R150,000.

Comprehensive cover for cars and other vehicles

Why choose comprehensive car insurance from OUTsurance?

Best price guarantee
Best price guarantee

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

Learn more
OUTbonus
OUTbonus

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

Learn more
Help@OUT
Help@OUT

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

Learn more
Fixed excess
Fixed excess

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

Top panel beaters
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
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
Lost and stolen keys

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

Add optional extras to your comprehensive car insurance for added 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

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). 

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

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 are 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

Download car insurance brochure for more information.

Why choose comprehensive car insurance from OUTsurance?

Best price guarantee
Best price guarantee

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

Learn more
OUTbonus
OUTbonus

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

Learn more
Help@OUT
Help@OUT

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

Learn more
Fixed excess
Fixed excess

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

Top panel beaters
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
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
Lost and stolen keys

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

Add optional extras to your comprehensive car insurance for added 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

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). 

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

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 are 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

Download car insurance brochure for more information.

What’s the difference between Comprehensive and Essential Car Insurance?

Not sure which car insurance option is right for you? Compare Comprehensive and Essential Car Insurance side by side to find the cover that best fits your needs and budget.

Comprehensive
Comprehensive
Essential
Essential
Comprehensive
Comprehensive
Essential
Essential
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Vehicles covered Cars used for personal, everyday driving Cars older than five years, unfinanced and worth under R150,000
Vehicles covered
Cars used for personal, everyday driving Cars older than five years, unfinanced and worth under R150,000
OUTbonus
Checked
Checked
OUTbonus
Checked
Checked
Excess Fixed excess (choose own amount). R3,370 first amount not covered, taken off your claim payout. No out-of-pocket excess.
Excess
Fixed excess (choose own amount). R3,370 first amount not covered, taken off your claim payout. No out-of-pocket excess.
Liability cover Up to R5 million standard (extendable). Up to R1 million.
Liability cover
Up to R5 million standard (extendable). Up to R1 million.
Theft cover Up to the retail value, less the excess. Up to retail value, less the first amount not covered.
Theft cover
Up to the retail value, less the excess. Up to retail value, less the first amount not covered.
Accident cover
Checked
Up to 40% of the retail value.
Accident cover
Checked
Up to 40% of the retail value.
Glass damage
Checked
Unchecked
Glass damage
Checked
Unchecked
Help@OUT roadside assistance
Checked
Unchecked
Help@OUT roadside assistance
Checked
Unchecked
When you claim We’ll assist with repairs through our approved panel beaters. You’re paid out in cash.
When you claim
We’ll assist with repairs through our approved panel beaters. You’re paid out in cash.
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Need to submit a claim?

Submitting a claim is easy via the website, the OUTsurance App or by calling our friendly call centre. Find out everything you need to know in our How to claim section.

Submit a claim

Frequently asked question about Comprehensive Car Insurance

What does comprehensive car insurance cover?

Comprehensive car insurance offers our highest level of cover and can protect you against a range of unexpected events, including accidental damage to your vehicle, theft, hijacking, fire, weather-related damage and damage caused to other people's property. It gives you broader protection and greater peace of mind when you're on the road.

What is the difference between Comprehensive and Essential Car Insurance?

Comprehensive car insurance offers a wider range of benefits and cover, including accidental damage to your own vehicle. OUTsurance Essential Car Insurance is designed for drivers looking for a more affordable option with selected cover benefits. Comparing the two can help you choose the level of protection that best suits your needs and budget.

Is comprehensive car insurance worth it?

Yes, comprehensive car insurance is worth considering if you want extensive cover against damage caused by unexpected events such as accidents, theft, hijacking, fire and severe weather damage. It can help reduce the financial burden of repairing or replacing your vehicle when the unexpected happens.

Is comprehensive car insurance required by law?

No. Comprehensive car insurance is not required by law. Even so, it may be in your best interest to put cover in place to help you manage your financial risk if you are involved in an accident or if your car gets stolen or hijacked. Comprehensive cover will also provide you with cover in the event of accidents, liability claims, intentional damage, fire and acts of nature.

How much does comprehensive car insurance cost?

The cost of comprehensive car insurance depends on several factors, including your vehicle, where you live, how you use your car, your driving history and the cover options you choose. Get a quote from OUTsurance to receive a premium tailored to your specific circumstances.

How does the OUTbonus work with comprehensive car insurance?

The OUTbonus rewards OUTsurance policyholders for remaining claim-free. After three consecutive claim-free years, you'll receive 10% of the premiums you've paid back in cash. Continue your claim-free streak and you can qualify for additional OUTbonus payouts over time, giving you more value from your insurance.

Frequently asked question about Comprehensive Car Insurance

What does comprehensive car insurance cover?

Comprehensive car insurance offers our highest level of cover and can protect you against a range of unexpected events, including accidental damage to your vehicle, theft, hijacking, fire, weather-related damage and damage caused to other people's property. It gives you broader protection and greater peace of mind when you're on the road.

What is the difference between Comprehensive and Essential Car Insurance?

Comprehensive car insurance offers a wider range of benefits and cover, including accidental damage to your own vehicle. OUTsurance Essential Car Insurance is designed for drivers looking for a more affordable option with selected cover benefits. Comparing the two can help you choose the level of protection that best suits your needs and budget.

Is comprehensive car insurance worth it?

Yes, comprehensive car insurance is worth considering if you want extensive cover against damage caused by unexpected events such as accidents, theft, hijacking, fire and severe weather damage. It can help reduce the financial burden of repairing or replacing your vehicle when the unexpected happens.

Is comprehensive car insurance required by law?

No. Comprehensive car insurance is not required by law. Even so, it may be in your best interest to put cover in place to help you manage your financial risk if you are involved in an accident or if your car gets stolen or hijacked. Comprehensive cover will also provide you with cover in the event of accidents, liability claims, intentional damage, fire and acts of nature.

How much does comprehensive car insurance cost?

The cost of comprehensive car insurance depends on several factors, including your vehicle, where you live, how you use your car, your driving history and the cover options you choose. Get a quote from OUTsurance to receive a premium tailored to your specific circumstances.

How does the OUTbonus work with comprehensive car insurance?

The OUTbonus rewards OUTsurance policyholders for remaining claim-free. After three consecutive claim-free years, you'll receive 10% of the premiums you've paid back in cash. Continue your claim-free streak and you can qualify for additional OUTbonus payouts over time, giving you more value from your insurance.

Contact OUTsurance 08 600 60 000
Contact OUTsurance
08 600 60 000
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Sat:
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Sat:
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Public Holidays
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Public Holidays
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Contact information 08 600 60 000
Contact information
Call Center:
08 600 60 000
Mon-Fri:
08:00 - 19:00
Mon-Fri:
08:00 - 19:00
Sat:
08:00 - 13:00
Sat:
08:00 - 13:00