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 R150,000 it may offer a more affordable alternative to comprehensive car insurance while still providing valuable protection.

Yes. Third-party liability cover forms part of your Essential Car Insurance policy, providing up to R1 million in if you are legally responsible for damage to another person’s vehicle or property. Essential Car Insurance also includes cover for theft, hijacking and attempted theft and/or hijacking.

Yes. OUTsurance Essential Car Insurance is specifically designed for vehicles that are fully paid off and no longer financed. In addition, your car needs to be older than 5 years and valued at less than R150,000.

Third party car insurance covers your financial liability if you can be held legally liable for causing injury or damage to another person or their property in an accident. Third party cover does not cover loss or damage to your own vehicle.

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.

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.

If your claim is approved, OUTsurance pays the claim amount directly to you in cash, giving you the flexibility to choose how and where your vehicle is repaired.

For accident damage, the payout is based on the cost of the damage, up to 40% of your vehicle's retail value, less a R3 370 first amount not covered.

For example: If your vehicle's retail value is R100,000 and the repair costs are assessed at R20,000, OUTsurance would pay you R16,630 in cash (R20,000 less the R3,370 first amount not covered).

If the assessed damage is R5,000, the payout would be R1,630 in cash (R5,000 less the R3,370 first amount not covered).

Once your claim has been assessed and approved, the cash is paid directly to you. This gives you the freedom to decide whether to repair the vehicle, choose your own repairer, or use the payout in another way. This cash-settlement approach is one of the reasons Essential Car Insurance can offer affordable cover for older vehicles

Essential car insurance and third party, fire, and theft insurance are not exactly the same. Essential car insurance covers accident, theft, and liability to another party, but may not always include fire and is subject to eligibility rules and additional options. Third-party, fire, and theft insurance explicitly covers third-party liabilities, fire, and theft.