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We understand how important your privacy is and will protect your personal information. By providing your personal information you are agreeing that we may process it to furnish you with a quote. 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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Essential car insurance – for older vehicles

If your car has been around the block, you could be saving even more than ever on your monthly car insurance premium. Get the cover that keeps things simple, while enjoying real peace of mind.

Get OUTsurance Essential car insurance if your car is:

  • Older than five years
  • Not financed
  • Valued at less than R130,000
Overview

Why choose Essential car insurance from OUTsurance?

OUTsurance liability cover
R1m liability cover

If you’re legally responsible for damage to a third party’s vehicle, we’ll pay up to R1 million.

OUTsurance Theft cover
Theft cover

If your car is stolen or hijacked, we pay you the full retail value, minus a standard R3 000 first amount not covered.

OUTsurance Accident cover
Accident cover

If you need to claim for accidental damage, we'll pay out the value of the damage in cash (up to 40% of the vehicle’s retail value).

OUTsurance repair process
Take charge of repairs

We pay out claims in cash, less R3 000 first amount not covered. This puts you in control of the repair process!

Why choose Essential car insurance from OUTsurance?

OUTsurance liability cover
R1m liability cover

If you’re legally responsible for damage to a third party’s vehicle, we’ll pay up to R1 million.

OUTsurance Theft cover
Theft cover

If your car is stolen or hijacked, we pay you the full retail value, minus a standard R3 000 first amount not covered.

OUTsurance Accident cover
Accident cover

If you need to claim for accidental damage, we'll pay out the value of the damage in cash (up to 40% of the vehicle’s retail value).

OUTsurance repair process
Take charge of repairs

We pay out claims in cash, less R3 000 first amount not covered. This puts you in control of the repair process!

Comprehensive car insurance vs. Essential car insurance

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

Comprehensive
Comprehensive
Essential
Essential
Vehicles covered Any car, motorbike, trailer, caravan or watercraft. Cars under five years old, unfinanced and worth under R130 000.
OUTbonus
Checked
Checked
Excess Fixed excess (own amount). R3 000 first amount not covered.
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
Checked
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.
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Frequently asked questions about Essential Car Insurance 

Does OUTsurance Essential qualify as cheap car insurance?

Because OUTsurance Essential car insurance has been specifically designed and priced for cars that are older than 5 years, unfinanced and valued at less than R130,000 it means that we are able to offer premiums that may be cheaper compared to comprehensive car insurance. 

How long does it take for a claim to be paid out?

With OUTsurance Essential, we pay out accident claims within an average of 5 working days. Your claim is paid out in cash which allows you to choose a panel beater of your choice. 

Is third-party and theft included in my insurance?

Third-party insurance form part of your Essential car insurance cover. You can get up to R1 million third-party cover as part of Essential car insurance. In terms of theft , you are covered for theft and attempted theft as part of your Essential cover. 

Do I have access to an OUTbonus if I don't claim?

Yes. You will still qualify for a cash OUTbonus. After three consecutive claim-free years, you'll receive 10% of your paid premiums in cash. After another two consecutive claim-free years, you'll get 10% of your paid premiums for that period. You will receive 10% of your paid premiums for every claim-free year thereafter. 

Contact OUTsurance 08 600 60 000
Mon-Thurs:
08:00 - 19:00
Friday
08:00 - 18:00
Sat
08:00 - 13:00
Public Holidays
08:00 - 17:00

Protect what matters most with our Home Contents and Portable Possessions Insurance, cover for your valuables at home and on the go.