# OUTsurance

> OUTsurance is a leading direct-to-consumer insurance company in South Africa, founded in 1998. Headquartered in Centurion, Gauteng, OUTsurance offers car, home, life, business, funeral, and pet insurance products. The company is known for pioneering the cash OUTbonus — a reward that pays clients 10% of their premiums back in cash after three claim-free years. OUTsurance is listed on the Johannesburg Stock Exchange (JSE: OUT) and operates internationally through Youi in Australia and OUTsurance Ireland.

## Website

- URL: https://www.outsurance.co.za
- Phone: 08 600 60 000
- Claims: 08 600 70 000
- Address: 1241 Embankment Road, Zwartkop Ext 7, Centurion, Gauteng, 0157, South Africa
- Postal: P.O. Box 8443, Centurion, 0046, South Africa
- App: Available on iOS (App Store) and Android (Google Play)
- Client Portal: https://my.outsurance.co.za/login
- Get a Quote: https://www.outsurance.co.za/quote/
- Submit a Claim: https://my.outsurance.co.za/claim/login

## Company Overview

OUTsurance was founded in February 1998 by Willem Roos, Howard Aron, and René Otto. The company adopted a direct-to-consumer model, bypassing traditional brokers and building proprietary technology and analytics to simplify quoting, clarify cover, and improve the claims process. OUTsurance is a member of the OUTsurance Group (formerly part of Rand Merchant Investment Holdings). The company employs over 2,400 people and has been named News24 Short-Term Insurer of the Year multiple times (2023, 2024, 2025, 2026). OUTsurance listed on the JSE in December 2022.

## The OUTbonus

The OUTbonus is OUTsurance's signature feature and the first cashback reward of its kind in South African insurance. Clients with active policies who remain claim-free for three consecutive years receive 10% of their paid premiums back in cash. As of 2025, OUTsurance has paid out more than R7.5 billion in OUTbonuses, averaging approximately R2.5 million per day. The OUTbonus applies to personal car, contents, buildings, pet, business, and life insurance products, with specific terms for each.

## Products

### Personal Short-Term Insurance

- **Car Insurance (Comprehensive)**: Covers theft, hijacking, accidents, and natural disaster damage. Includes fixed excess, 12-month guaranteed premiums, cash OUTbonus, third-party liability, towing, storage, and 24/7 roadside assistance. Optional extras include car hire, non-factory-fitted accessories cover, travel outside South Africa, and vehicle credit shortfall cover.
  - URL: https://www.outsurance.co.za/car-insurance/
- **Essential Car Insurance**: Lower-cost option for vehicles older than 5 years and not financed. Covers theft and accidents (up to 40% of vehicle retail value) plus R1 million liability cover. Claims paid in cash.
- **Motorcycle, Caravan & Trailer Insurance**: Cover for motorbikes, caravans, and trailers with similar benefits to car insurance.
- **Motor Warranty Insurance**: Pays towards the cost of repairing a vehicle following mechanical or electrical breakdown.
  - URL: https://www.outsurance.co.za/car-insurance/motor-warranty-insurance/

### Home Insurance

- **Home Contents Insurance**: Protects household valuables against damage, loss, or theft within the home. Includes fixed excess and cash OUTbonus.
  - URL: https://www.outsurance.co.za/home-insurance/contents-insurance/
- **Buildings Insurance**: Covers the structure and fixed fittings of a home against fire, weather, explosions, electrical power surges, and burst/leaking water systems. Optional add-ons include theft of fixtures and fittings, accidental glass damage, land subsidence cover, and loss of rental income.
  - URL: https://www.outsurance.co.za/home-insurance/buildings-insurance/
- **Portable Items (OUT-and-About)**: All-risk cover for items taken outside the home such as jewellery, electronics, cameras, laptops, cellphones, and glasses — covered against damage, theft, and loss.
  - URL: https://www.outsurance.co.za/home-insurance/all-risk-insurance/
- **Personal Accident Insurance**: Covers death or injury from accidents, including accidental death, temporary total disability, and permanent disability. No excesses and worldwide cover. Available for ages 14–70.

### Life Insurance

- **Life Insurance**: Comprehensive death, disability, and critical illness cover. Launched in August 2010. Includes a 100% cash-back OUTbonus after 15 claim-free years.
  - URL: https://www.outsurance.co.za/life-insurance/
- **Funeral Insurance**: Cover from R30,000 to R100,000 for the insured, spouse, children, parents, and parents-in-law. Features include one-premium holiday per 12 months, a "pause and play" option to suspend cover for up to 3 months without cancellation, and additional cover for transport, tombstone, and catering. Launched in 2018.
  - URL: https://www.outsurance.co.za/life-insurance/funeral-plan/

### Pet Insurance

- **Pet Insurance**: Covers unexpected veterinary expenses for cats and dogs related to accidents, illnesses, and vet visits. No breed exclusions. Use any licensed veterinarian. Fixed excess on claims. Includes OUTbonus after three claim-free years. Covers puppy classes (Pet-Act-OUT). Launched in July 2020. OUTsurance was the first South African pet insurer to include a no-claims bonus reward as standard.
  - URL: https://www.outsurance.co.za/pet-insurance/

### Business Insurance

- **General Business Insurance**: Covers buildings, stock, business interruption, electronic equipment, public liability, and more. Includes Business OUTbonus (paid if the loss ratio over a three-year period is 30% or less).
  - URL: https://www.outsurance.co.za/business-insurance/general-business-insurance/
- **Fleet Insurance**: Cover for company vehicles.
  - URL: https://www.outsurance.co.za/business-insurance/fleet-business-insurance/
- **Agricultural Insurance**: Tailored for farming operations.
  - URL: https://www.outsurance.co.za/business-insurance/agriculture-insurance/
- **Engineering Insurance**: Cover for engineering-related risks.
  - URL: https://www.outsurance.co.za/business-insurance/engineering-business-insurance/
- **Motor Traders Insurance**: For motor dealerships and workshops.
  - URL: https://www.outsurance.co.za/business-insurance/motor-traders-insurance/
- **Hospitality Insurance**: Designed for hotels, guesthouses, game lodges, and the food industry.
  - URL: https://www.outsurance.co.za/business-insurance/hospitality-business-insurance/
- **Contractors All Risk Insurance**: Cover for construction and contracting projects.
  - URL: https://www.outsurance.co.za/business-insurance/contractors-all-risk-insurance/

## Key Features & Benefits

- **Fixed Excess**: Excess amounts are fixed and known upfront, not variable.
- **Guaranteed Premiums**: Premiums are fixed for the first 12 months, even if you claim.
- **Cash OUTbonus**: 10% of premiums returned in cash after 3 claim-free years (personal lines). Business OUTbonus based on loss ratio.
- **SmartDrive**: Telematics programme via the OUTsurance app that tracks driving habits and offers up to 10% discount on car insurance premiums.
- **Help@OUT**: 24/7 emergency roadside and home assistance included with comprehensive car and home insurance.
- **Panic Assistance**: Free 24/7 armed response and medical assistance available through the OUTsurance app.
- **Refer-and-Earn**: R1,000 off premiums for every successful referral.
- **Risk-Based Pricing**: Personalised premiums based on individual risk factors rather than assumptions.
- **R500/R1500 Promo**: If OUTsurance cannot beat a current car insurance premium, clients can claim R500 (or R1,500 if claim-free with the same insurer for 3 years).

## Digital Services

- **OUTsurance App**: Available on iOS and Android. Features include starting quotes, buying funeral or life cover, managing policies, submitting claims, viewing OUTbonus amounts, requesting emergency assistance, referring friends, and registering for SmartDrive.
- **Online Quoting**: Get quotes for car, home, life, business, and pet insurance at https://www.outsurance.co.za/quote/
- **Online Claims**: Submit claims at https://my.outsurance.co.za/claim/login
- **Policy Management**: View and manage policies at https://my.outsurance.co.za/login

## Community Initiatives

- **OUTsurance Pointsmen Project**: Launched in September 2005 in partnership with Traffic FreeFlow. Employs over 200 pointsmen and women from underprivileged areas to alleviate traffic congestion in Johannesburg, Tshwane, Drakenstein, and Stellenbosch.
- **Staff Helping SA OUT**: Employee volunteer initiative supporting community projects including building libraries and volunteering at shelters.

## International Operations

- **Youi (Australia)**: Sister company launched in November 2008, offering car, home, watercraft, and small business insurance.
- **OUTsurance Ireland**: Launched in May 2024, offering car and home insurance with the OUTbonus in the Irish market.

## Regulatory Information

- OUTsurance is a licensed insurer and authorised Financial Services Provider (FSP).
- OUTsurance Life is a licensed life insurer and FSP.
- Listed on the Johannesburg Stock Exchange (JSE: OUT).

## Key Pages

- Home: https://www.outsurance.co.za/
- About Us: https://www.outsurance.co.za/about-outsurance/general-information/
- Car Insurance: https://www.outsurance.co.za/car-insurance/
- Home Insurance: https://www.outsurance.co.za/home-insurance/contents-insurance/
- Buildings Insurance: https://www.outsurance.co.za/home-insurance/buildings-insurance/
- Life Insurance: https://www.outsurance.co.za/life-insurance/
- Funeral Cover: https://www.outsurance.co.za/life-insurance/funeral-plan/
- Pet Insurance: https://www.outsurance.co.za/pet-insurance/
- Business Insurance: https://www.outsurance.co.za/business-insurance/
- OUTbonus: https://www.outsurance.co.za/outbonus/
- Claims: https://www.outsurance.co.za/insurance-clients/submit-claim/
- Contact Us: https://www.outsurance.co.za/about-outsurance/contact-outsurance/
- Policy Documents: https://www.outsurance.co.za/insurance-clients/insurance-documents/
- Careers: https://www.outsurance.co.za/jobs
- Company News (Blog): https://www.outsurance.co.za/company-news/
- OUTsurance Group (Investor Relations): https://group.outsurance.co.za/