Where the vehicle is written off, we will deduct the excess from the payment to you in the case of a non-financed vehicle. In the case of a financed vehicle, the excess will be payable to the finance house.
The excess is payable upfront to the authorised service provider (the panel beater).
Get in touch with our Claims Advisors two working days before the car goes into the panel beaters. They’ll be able to help you organise your rental car.
You can rent a car for a maximum of 30 days, or until repairs are done - whichever comes first. Unfortunately, we can’t extend the car-rental time if car parts are delayed, because that’s dependent on the car’s manufacturer.
This depends on the availability of parts and the extent of the seen and unseen damages. However, the panel beater will keep you informed once they start repairs.
You can contact the panel beater directly.
Only the incident-related damages will be attended to and covered. You can register a second claim for unrelated damages. The claim will be validated and, where it is a valid claim, a separate excess will be applicable.
You can change to a new authorised service provider, provided we take into account warranties and manufacturer-approvals.
All payments will be approved based on our own assessor-quotation, minus the excess amount.
If a car is out of warranty, the Ombudsman for short-term insurance states that we can make use of good quality second hand/alternative parts to replace parts that aren’t critical to safety. This is done in order to reduce the cost of your premiums.
The excess is the first amount payable after a claim, irrespective of who caused the incident. If the incident wasn’t your fault, our legal department will try to claim the excess back from the liable party.
The OUTbonus is a cash-refund of your paid premiums that rewards you for not claiming. This is regardless of who was at fault. We cannot recover the OUTbonus payment from the 3rd party. If you don’t want to forfeit the OUTbonus payment, you can claim directly from the 3rd party (and withdraw your claim with OUTsurance).
Where the vehicle is written off, we will deduct the excess from the payment to you in the case of a non-financed vehicle. In the case of a financed vehicle, the excess will be payable to the finance house.
The excess is payable upfront to the authorised service provider (the panel beater).
Get in touch with our Claims Advisors two working days before the car goes into the panel beaters. They’ll be able to help you organise your rental car.
You can rent a car for a maximum of 30 days, or until repairs are done - whichever comes first. Unfortunately, we can’t extend the car-rental time if car parts are delayed, because that’s dependent on the car’s manufacturer.
This depends on the availability of parts and the extent of the seen and unseen damages. However, the panel beater will keep you informed once they start repairs.
You can contact the panel beater directly.
Only the incident-related damages will be attended to and covered. You can register a second claim for unrelated damages. The claim will be validated and, where it is a valid claim, a separate excess will be applicable.
You can change to a new authorised service provider, provided we take into account warranties and manufacturer-approvals.
All payments will be approved based on our own assessor-quotation, minus the excess amount.
If a car is out of warranty, the Ombudsman for short-term insurance states that we can make use of good quality second hand/alternative parts to replace parts that aren’t critical to safety. This is done in order to reduce the cost of your premiums.
The excess is the first amount payable after a claim, irrespective of who caused the incident. If the incident wasn’t your fault, our legal department will try to claim the excess back from the liable party.
The OUTbonus is a cash-refund of your paid premiums that rewards you for not claiming. This is regardless of who was at fault. We cannot recover the OUTbonus payment from the 3rd party. If you don’t want to forfeit the OUTbonus payment, you can claim directly from the 3rd party (and withdraw your claim with OUTsurance).
The financial institution that has financed your vehicle will ask you to settle any outstanding finance on the vehicle. You’ll need to pay the excess upon their request.
In the case of a vehicle not recovered, the excess is deducted from the payment. Where the vehicle is recovered and undergoing repairs, the excess is payable to the panel beater.
Contact our Claims Advisors to arrange a rental car.
You can rent a car for a maximum of 30 days, or until repairs are done - whichever comes first.
The excess is the first amount payable after a claim, irrespective of who/what caused the incident. If the incident wasn’t your fault, our legal department will try to claim the excess back from the liable party.
The OUTbonus is a cash-refund of your paid premiums that rewards you for not claiming. This is regardless of who was at fault. We cannot recover the OUTbonus payment from the 3rd party. If you don’t want to forfeit the OUTbonus payment, you can claim directly from the 3rd party (and withdraw your claim with OUTsurance).
The excess is payable to the finance house in order to settle the account.
The excess is deducted from the payment to the client.
Our Claims Advisors will assist you with car rental arrangements.
You can rent a car for a maximum of 30 days, or until repairs are done - whichever comes first. Unfortunately, the rental will not be extended upon finalisation of the claim.
The excess is the first amount payable after a claim, irrespective of who/what caused the incident. If the incident wasn’t your fault, our legal department will try to claim the excess back from the liable party.
The OUTbonus is a cash-refund of your paid premiums that rewards you for not claiming. This is regardless of who was at fault. We cannot recover the OUTbonus payment from the 3rd party. If you don’t want to forfeit the OUTbonus payment, you can claim directly from the 3rd party (and withdraw your claim with OUTsurance).
Yes, you would need to provide OUTsurance with a Quote, Damage Report and photos of the damaged geyser to validate the claim. OUTsurance will be able to reimburse you as per our rates based on the work that needs to be done.
Your claim will be withdrawn until you can pay the excess. You can reopen the claim and pay excess up to 6 months after the date of the incident.
Excess is the first amount payable by the client before any repairs commence. Please refer to your policy schedule to view the amount applicable.
Contact your assessor/consultant to raise your concerns in order for them to validate and confirm if additional repairs need to be approved.
One year from the date the repairs are completed.
Yes. Once the assessor has submitted the report to your claims consultant, you can request a copy of it.
The service provider will submit a report to the Assessing Department. The additional damages will be validated and, if found to be related to your claim, the repairs will be included.
Yes, but in order to validate the claim, you’ll need to provide us with a quote, damage report and photos of the damaged geyser. We’ll be able to reimburse you based on the work that needs to be done, as per our rates.
The plumber will report the geyser to the manufacturer and provide you with a reference number. The manufacturer will then be in touch with you to arrange an assessment of the geyser.
Your claim will be converted to a Help@Out benefit, as these claims are normally less than the excess on the claim.
No. Once the geyser’s been replaced, the damaged geyser becomes the property of OUTsurance and will be removed by the service provider who does the new installation.
We will always pay out as per the current replacement value of an item, up to the maximum insured amount noted on your policy schedule.
We’ll cover the costs, provided it’s necessary in order to access the geyser or for it to be compliant. For other relocation requests, you will be liable for any additional costs of relocating the geyser.
Once authorisation has been sent to the service provider, they’ll be in contact within 24 business hours.
The warranty on repairs lasts 3 months.
We have a service level agreement with our service provider. If there are any concerns with the services provided, we can follow up on your behalf to ensure you get the best service.
Once we replace an item the old item becomes OUTsurance’s property.
Our salvage process can take up to 3 months. Our Salvage department will be in contact to advice as to when they will be collecting the items.
Once we replace an item the old item becomes OUTsurance property.
Our salvaging process can take up to 3 months. Our Salvaging Department will be in contact to advise as to when they’ll be collecting the items.
We can place the claim on hold for up to 6 months. Once you have the excess amount, we can proceed with the claim.
We cover as per the current replacement value and not what you insured the item for.
We get a 15% discount when we use our preferred service provider which means that the value shown is the discounted value that was quoted by the service provider.
If an item’s repairable, we’ll fix it. We only consider replacing items when a service provider recommends it.
Your closest service provider may not always be available to assist or may not have the said item in stock. The service provider that we appoint, will be able to courier the items to you.