Insurance doesn’t always feel like something you “get back”. For many South Africans, it’s a monthly expense you pay to stay protected but unless you need to claim, the value can feel far off.
But what if your insurance could do more than step in when things go wrong? What if it could also reward you when things go right?
That’s where the OUTbonus comes in.
How does the OUTbonus reward you?
The OUTbonus is built around a simple idea: consistency should count for something. The everyday decisions you make, like driving carefully or managing risks at home or in your business can add up over time.
Instead of insurance being purely reactive, the OUTbonus rewards you for staying claim-free. And it’s not a separate add-on; it’s part of the OUTsurance short-term insurance experience across car, home, pet and business insurance (excluding life insurance).
In fact, OUTsurance has already paid out more than R8.4 billion in OUTbonus, showing just how real the benefit can be.
How does the OUTbonus work in practice?
It’s simple. Stay claim-free and you could earn cash back rewards.
- After 3 claim-free years, you get 10% of your premiums back
- After another 2 years, you get a second payout
- After that, you get paid out every claim-free year
To put that into perspective:
- If your premium is R800 a month (R9,600 a year):
- After 3 years, you’d get R2,880 back
- After 5 years, another R1,920
- From year 6, you’d get R960 every year
By year 10, that adds up to R9,600 back — the equivalent of a full year’s premium.
It’s a system designed to reward responsible behaviour, while still giving you the cover you need when it matters most.
Use the OUTsurance App to track your OUTbonus.
Can the OUTbonus help lower your insurance costs?
While it doesn’t reduce your monthly premium directly, the OUTbonus can lower your overall cost over time.
In South Africa, one of the best ways to manage your insurance costs is by maintaining a low claims history. The OUTbonus builds on that by turning those good habits into real cash.
So, the more consistently you avoid unnecessary claims, the more you potentially get back; helping offset what you’ve paid.
Should you always claim?
The OUTbonus encourages you to think twice about smaller claims.
That doesn’t mean you shouldn’t claim when you need to; insurance is there for those bigger, unexpected moments. But for smaller incidents, it may be worth weighing up the short-term benefit against the longer-term value of staying claim-free.
Over time, those decisions can add up to real money back in your pocket.
What about business insurance?
The same principle applies to business insurance, but with a slightly different approach.
Instead of requiring zero claims, the business OUTbonus looks at your claims ratio over three years (claims vs premiums). If your overall claims remain low, your business can still qualify for a payout.
It’s a practical way of rewarding good risk management without limiting your ability to claim when needed.
A different way to think about insurance
The OUTbonus changes the role insurance plays in your life.
It’s not just there to protect you when things go wrong; it also recognises when things go right. By rewarding consistency and encouraging smarter decisions, it turns insurance into something that can deliver real, ongoing value.
It’s a simple shift in thinking — but one that can make every premium feel a little more worthwhile.