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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
Why choose Essential car insurance from OUTsurance?
R1m liability cover
If you’re legally responsible for damage to a third party’s vehicle, we’ll pay up to R1 million.
Theft cover
If your car is stolen or hijacked, we pay you the full retail value, minus a standard R3 370 first amount not covered.
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).
Take charge of repairs
We pay out claims in cash, less R3 370 first amount not covered. This puts you in control of the repair process!
Why choose Essential car insurance from OUTsurance?
R1m liability cover
If you’re legally responsible for damage to a third party’s vehicle, we’ll pay up to R1 million.
Theft cover
If your car is stolen or hijacked, we pay you the full retail value, minus a standard R3 370 first amount not covered.
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).
Take charge of repairs
We pay out claims in cash, less R3 370 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.
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| Start Quote | ||
| Vehicles covered | Any car, motorbike, trailer, caravan or watercraft. | Cars under five years old, unfinanced and worth under R130 000. |
| Vehicles covered | ||
| Any car, motorbike, trailer, caravan or watercraft. | Cars under five years old, unfinanced and worth under R130 000. | |
| OUTbonus |
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| OUTbonus | ||
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| Excess | Fixed excess (own amount). | R3 370 first amount not covered. |
| Excess | ||
| Fixed excess (own amount). | R3 370 first amount not covered. | |
| 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 sum insured, less the excess. | Up to retail value, less your excess. |
| Theft cover | ||
| Up to the sum insured, less the excess. | Up to retail value, less your excess. | |
| Accident cover |
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Up to 40% of the retail value. |
| Accident cover | ||
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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. |
| When you claim | ||
| We’ll assist with repairs through our approved panel beaters. | You’re paid out in cash. | |
| Start Quote | Start Quote | |
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.
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.
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Log in or use our App to manage your policy
Log in or use our App to manage your policy
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Insurance documents
Insurance documents
Contact OUTsurance
08 600 60 000
Mon-Thurs:
08:00 - 19:00
Mon-Thurs:
08:00 - 19:00
Friday
08:00 - 18:00
Friday
08:00 - 18:00
Sat
08:00 - 13:00
Sat
08:00 - 13:00
Public Holidays
08:00 - 17:00
Public Holidays
08:00 - 17:00
-
Log in or use our App to manage your policy
Log in or use our App to manage your policy
-
Insurance documents
Insurance documents
Contact OUTsurance
08 600 60 000
Mon-Thurs:
08:00 - 19:00
Mon-Thurs:
08:00 - 19:00
Friday
08:00 - 18:00
Friday
08:00 - 18:00
Sat
08:00 - 13:00
Sat
08:00 - 13:00
Public Holidays
08:00 - 17:00
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.