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Premiums quoted are risk profile dependent and reviewed annually based on risk profile and economic factors. Ts, Cs and limits apply.

Essential car insurance – for older vehicles

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

Take up Essential car insurance if your car is:

Over 5 years old
Not financed
Worth under R125 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 R1 000 excess.

Accident cover

If you have an accident, 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 R1 000 standard excess. This puts you in control of the repair process!

Comprehensive vs. Essential insurance

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

	Comprehensive	Essential
Vehicles covered	Any car, motorbike, trailer, caravan or watercraft.	Cars over 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.
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