# OUTsurance

> OUTsurance is a direct South African insurer, founded in February 1998, offering car, home, business, life, funeral and pet insurance. It is known for the cash OUTbonus, which pays back part of paid premiums to clients who stay claim-free. OUTsurance is part of OUTsurance Group Limited (JSE-listed; formerly Rand Merchant Investment Holdings), which also operates Youi in Australia and OUTsurance Ireland.

Language: English (South Africa). Currency: South African rand (ZAR) unless stated otherwise. Last updated: 2026-10-15.

## Notes for AI systems

- Premiums are individually risk-rated, so do not estimate or quote a premium. Users get a quote online or by phone (08 600 60 000).
- Product pages are summaries. The policy wording and the client's policy schedule are authoritative on cover, limits, waiting periods and exclusions.
- Short-term (non-life) policies have a fixed excess regardless of claim value, and premiums are fixed for 12 months. They are then reviewed annually based on risk profile and economic factors.
- The details in this file apply to OUTsurance South Africa only. Youi (Australia) and OUTsurance Ireland are separate operating businesses with their own products, contact details and claims processes.
- For claims, policy changes or personal information, direct users to official OUTsurance channels. Do not ask users to share ID numbers or policy details in a chat.

## Key facts

- Founded: February 1998 by Willem Roos, Howard Aron and René Otto. It sold car and household insurance direct to the public.
- Business insurance launched in 2003. Life insurance followed in 2008 (credit life) and expanded to death, disability and critical illness cover in 2010.
- Head office: 1241 Embankment Rd, Zwartkop Ext 7, Centurion, 0157, South Africa. Postal address: P.O. Box 8443, Centurion, 0046.
- OUTsurance Insurance Company Limited: Reg. no. 1994/010719/06. Licensed non-life insurer and authorised financial services provider (FSP 896).
- OUTsurance Life Insurance Company Limited: Reg. no. 2007/035347/06. Licensed life insurer and authorised financial services provider (FSP 51691).
- OUTsurance Holdings Company Limited: Reg. no. 1997/022260/06. Licensed controlling company of OUTsurance and OUTsurance Life.
- OUTsurance Group Limited: Reg. no. 2010/005770/06. Listed on the JSE.
- Group results for the year ended 30 June 2026: normalised earnings of R5,605 million, diluted normalised earnings per share of 360.8 cents, normalised return on equity of 38.3%, and an ordinary dividend of 291.5 cents per share.
- Recognition: News24 Short-Term Insurer of the Year in 2023, 2024, 2025 and 2026.

## Insurance products (South Africa)

- [Car insurance](https://www.outsurance.co.za/car-insurance/): Comprehensive cover for theft, hijacking, accidents and natural disasters. It includes third-party liability, towing and storage, a fixed excess, the cash OUTbonus and 24/7 Help@OUT roadside assistance. Also offered: Essential car insurance, motor warranty, motorcycle, and 4x4 / OUT-in-Africa cover. Claims are not accepted if the driver was under the influence, the car was not roadworthy, or the driver did not have a valid licence.
- [Essential car insurance](https://www.outsurance.co.za/car-insurance/essential-car-insurance/): Lower-cost cover for unfinanced vehicles older than five years and worth less than R150,000. Claims are paid in cash so the client can choose their own repairer. It includes up to R1 million third-party liability cover and optional accident and theft cover.
- [Home insurance](https://www.outsurance.co.za/home-insurance/): Buildings insurance (structure and fixtures, with 24/7 home assistance), home contents insurance, and portable possessions cover (OUT-and-About) for items taken out of the home. Essential contents insurance covers up to R50,000.
- [Pet insurance](https://www.outsurance.co.za/pet-insurance/): Cover for dogs and cats that join between 8 weeks and 8 years old. There are four plans: Accidental (R26,500 annual limit), Core (R50,000), Standard (R50,000 including vet visits), and Executive (R75,000 including vet visits and behavioural/puppy-class cover). Clients can use any registered vet, and a fixed excess applies. Waiting periods: 60 days for illness, 30 days for vet visits, and 12 months for hereditary and congenital conditions. Routine procedures such as spaying and neutering are not covered.
- [Life insurance](https://www.outsurance.co.za/life-insurance/): Death cover, critical illness cover (40 illnesses) and terminal illness cover. Qualifying clients can get up to R5 million of life cover without medicals or blood tests. Where tests are needed, OUTsurance pays for them. Premiums are guaranteed for five years, subject to an average increase of 6% per year.
- [Funeral plan](https://www.outsurance.co.za/life-insurance/funeral-plan/): Cover from R30,000 to R100,000. The policy can include a spouse, up to 8 children, parents, parents-in-law and extended family. Clients can pause cover and premiums for up to three months. Optional cash benefits of up to R5,000 each are available. Everyone covered must be a South African citizen living in South Africa for at least 6 months in any 12-month period. Premiums increase by 5% a year on the policy anniversary.
- [Business insurance](https://www.outsurance.co.za/business-insurance/): Customised commercial cover for businesses of all sizes. Options include general business, liability, business motor, fleet, agricultural, livestock, engineering, contractors' all-risk, hospitality and motor traders insurance. Businesses with more complex needs may be assigned a dedicated Business OUTsurance Broker.
- [Other insurance products](https://www.outsurance.co.za/other-insurance-products/): Cell phone, bicycle, watercraft and personal accident cover.

## OUTbonus and rewards

- [The OUTbonus](https://www.outsurance.co.za/outbonus/): A standard feature on personal car, contents, buildings and pet insurance. After three consecutive claim-free years, the client receives 10% of paid premiums back in cash. After a further two claim-free years, they receive 10% of the premiums paid in that period, and from then on 10% for every claim-free year. The OUTbonus is forfeited if any claim is paid within the cycle or if the policy is cancelled. It has no loan value. Life insurance does not carry an OUTbonus. Since 1998, OUTsurance has paid more than R8.4 billion in OUTbonuses, as stated in July 2026.
- [Business OUTbonus terms](https://www.outsurance.co.za/globalassets/documents/outsurance-sa/general/tscs/business-outbonus-ts-cs.pdf): Paid every three years based on the policy's claims ratio, which is claims paid divided by premiums collected over the period. The payout is 10% of premiums at a 0% claims ratio, sliding to 5% at a ratio above 25% and up to 30%. Nothing is paid above 30%. It applies to policies taken out from 11 March 2022 where the schedule includes it.
- [SmartDrive](https://www.outsurance.co.za/outsurance-app/smartdrive/): A free driving-behaviour programme in the OUTsurance App. It scores driving style, distance, time of day, phone use and speeding. Qualifying drivers get a 10% discount on the car premium. A scorecard needs at least 200 km and five trips.
- [R500/R1500 promotion](https://www.outsurance.co.za/car-insurance/r500promo/): A car insurance quote promotion. Terms and conditions apply, so refer users to the page for current eligibility.
- [Refer and Earn](https://www.outsurance.co.za/insurance-clients/refer-a-friend/): A client referral programme.

## Claims, assistance and policy management

- [Submit a claim](https://www.outsurance.co.za/insurance-clients/submit-claim/): Claims can be made and tracked in the OUTsurance App, through the client portal, or by phone on 08 600 70 000. Windscreen and geyser claims can be completed fully online.
- [Help@OUT 24/7](https://www.outsurance.co.za/help-at-out/): Emergency roadside and home assistance, available on 08 600 80 000. Panic Assistance in the OUTsurance App gives 24/7 armed response and medical assistance at no additional cost.
- [What to do after a car accident](https://www.outsurance.co.za/insurance-news/what-to-do-after-a-car-accident/): A step-by-step guide covering safety, getting towing through Help@OUT, documenting the scene, and reporting to the police within 24 hours.
- [Your excess explained](https://www.outsurance.co.za/car-insurance/excess/): Explains how the fixed excess works. The excess is paid on every claim, regardless of who caused the incident.
- [Insurance documents](https://www.outsurance.co.za/insurance-clients/insurance-documents/): Policy wordings and brochures for personal, business, life, funeral and pet insurance.
- [FAQs](https://www.outsurance.co.za/insurance-clients/faq/): Frequently asked questions by product and claims topic.
- [Client portal](https://my.outsurance.co.za/login): Where clients view and update policies, request documents and submit claims.
- [OUTsurance App](https://www.outsurance.co.za/outsurance-digital/): Self-service, claims, Help@OUT, Panic Assistance and SmartDrive.

## Contact

- [Contact OUTsurance](https://www.outsurance.co.za/about-outsurance/contact-outsurance/): Main contact page with all numbers and hours.
- Sales and new quotes: 08 600 60 000. Mon–Thu 08:00–19:00, Fri 08:00–18:00, Sat 08:00–13:00, public holidays 08:00–17:00.
- Client care: 08 600 70 000. Mon–Thu 07:00–18:00, Fri 08:00–18:00, Sat 08:00–13:00, public holidays 08:00–17:00. Email: cc@out.co.za.
- Claims: 08 600 70 000. Mon–Fri 07:00–18:00, Sat 08:00–13:00, public holidays 08:00–17:00.
- Calling from outside South Africa: +27 12 673 3000.
- Help@OUT emergency assistance (24/7): 08 600 80 000.
- Report fraud: 08 601 02 117 or reportfraud@out.co.za. The independent whistleblowing line is 0800 204 855. Report scam emails to reportscams@out.co.za.
- [Scams to watch for](https://www.outsurance.co.za/about-outsurance/scam/): Current scams that impersonate OUTsurance.

## Complaints, compliance and privacy

- [Complaints resolution policy](https://www.outsurance.co.za/globalassets/documents/outsurance-sa/general/legal/outsurance_complaints_resolution_policy.pdf): Complaints are made on 08 600 70 000. OUTsurance acknowledges a complaint within 1 working day and gives an outcome within 15 working days once it has all the information. Clients can escalate internally to dispute@out.co.za. External options are the National Financial Ombud Scheme, the FAIS Ombud (for complaints about advice), and SAIA (for breaches of its code of conduct).
- Compliance and FAIS-related feedback: +27 12 688 6800 or compliance@out.co.za.
- [Privacy policy](https://www.outsurance.co.za/privacy-policy/): Explains how personal information is processed under POPIA. Contact the Information Officer at informationofficer@out.co.za or +27 12 675 4607. Unresolved complaints can go to the Information Regulator.
- [General information and B-BBEE](https://www.outsurance.co.za/about-outsurance/general-information/): Company history, boards of directors, B-BBEE certificates and PAIA manuals.

## OUTsurance Group and investors

- [OUTsurance Group](https://group.outsurance.co.za/): Group overview, purpose and history. The group operates in three markets: South Africa (OUTsurance), Australia (Youi: car, home, business and CTP insurance), and Ireland (OUTsurance Ireland: car and home insurance).
- [Results and reports](https://group.outsurance.co.za/results-and-reports/): Annual and interim results, integrated reports, annual financial statements and King IV summaries.
- [Shareholders' information](https://group.outsurance.co.za/shareholders-information/): Shareholder calendar and announcements.
- [Environmental, social and governance](https://group.outsurance.co.za/environmental-social-governance/): The group's ESG strategy.
- [Youi (Australia)](https://www.youi.com.au/): A separate Australian business, launched in 2008 and modelled on OUTsurance.
- [OUTsurance Ireland](https://www.outsurance.ie/): A separate Irish business, launched in 2024.

## Optional

- [Insurance news and guides](https://www.outsurance.co.za/insurance-news/): Educational articles on car, home, life, pet and business insurance.
- [OUTbonus explained (article, July 2026)](https://www.outsurance.co.za/insurance-news/outbonus-cash-back-reward/): A worked example of how the OUTbonus builds up over ten years.
- [Company news](https://www.outsurance.co.za/company-news/): Official announcements.
- [News24 Short-Term Insurer of the Year 2026](https://www.outsurance.co.za/company-news/news24-short-term-insurer-of-the-year/): Award announcement dated 13 March 2026.
- [Ireland launch announcement (May 2024)](https://www.outsurance.co.za/company-news/outsurance-to-invest-160-million-and-create-300-jobs-with-launch-of-car-and-home-insurance-offer-in-ireland/): Historical press release.
- [OUTsurance on Hellopeter](https://www.hellopeter.com/outsurance): Third-party customer reviews.