# OUTsurance

> OUTsurance is a South African direct insurer (founded 1998, Centurion, Gauteng) offering car, home, business, life, funeral and pet insurance. It is best known for the cash OUTbonus, which pays clients 10% of their premiums back in cash after three consecutive claim-free years. OUTsurance Group is listed on the JSE (ticker: OUT) and operates internationally through Youi (Australia) and OUTsurance Ireland.

Last updated: 2026-10-05
Language: English (South Africa). All amounts are in South African rand (R / ZAR) unless stated.

## Key facts

- Founded: February 1998 by Willem Roos, Howard Aron and René Otto.
- Head office: 1241 Embankment Road, Zwartkop Ext 7, Centurion, Gauteng, 0157. Postal: P.O. Box 8443, Centurion, 0046.
- Listing: OUTsurance Group Limited, JSE ticker OUT, listed December 2022.
- People: more than 2,400 employees. [VERIFY: confirm current figure and date]
- Awards: News24 Short-Term Insurer of the Year in 2023, 2024, 2025 and 2026.
- Distribution: direct to consumer (phone, website, app); quotes are available by phone or an OUTsurance insurance broker.
- Regulation: OUTsurance Insurance Company Limited is a licensed non-life insurer and authorised Financial Services Provider (FSP 896). OUTsurance Life Insurance Company Limited is a licensed life insurer and authorised FSP (FSP 51691).

## Contact (use these exact numbers)

- New quotes and general enquiries: 08 600 60 000
- Claims: 08 600 70 000
- Help@OUT 24/7 roadside and home emergency assistance: 08 600 60 000
- Panic Assistance (armed response and medical): in the OUTsurance app — [iOS](https://apps.apple.com/za/app/outsurance/id646353691) | [Android](https://play.google.com/store/apps/details?id=za.co.outsurance&hl=en)
- Complaints: [Complaints process](https://www.outsurance.co.za/about-outsurance/contact-outsurance/) — unresolved complaints can be escalated to the Ombudsman for Short-Term Insurance or the Ombudsman for Long-Term Insurance. https://nfosa.co.za/short-term-ombudsman-landing/

## The OUTbonus (signature benefit)

Answer-ready summary with the conditions that matter:

- Personal short-term insurance (car, home, portable items, pet): 10% of the premiums paid over the period is returned in cash after three consecutive claim-free years. [Help@OUT callouts do NOT break the claim-free period for the OUTbonus. The policy must be active at the time of OUTbonus payout.]
- Business insurance: a Business OUTbonus is paid when the loss ratio over three years is 30% or less.
- Total paid: more than R7.5 billion as of 2025, an average of about R2.5 million per day. 
- Details: [OUTbonus](https://www.outsurance.co.za/outbonus/)

## Benefits common to OUTsurance products

- Fixed excess: excess amounts are set in rand and known upfront, not a percentage of the claim.
- Premium guarantee: premiums are guaranteed for the first 12 months, including after a claim.
- SmartDrive: telematics in the app that can earn up to 10% off car insurance for good driving.
- Help@OUT: 24/7 roadside and home emergency assistance.
- Panic Assistance: free armed response and medical emergency assistance through the app.
- Referral reward: R1,000 off premiums for each successful referral. [VERIFY: link to terms]

## Glossary of OUTsurance terms

- OUTbonus: cash-back reward for claim-free periods (see above).
- Help@OUT: 24/7 emergency assistance service.
- SmartDrive: in-app driving-behaviour programme linked to car insurance discounts.
- OUT-and-About: all-risk cover for portable items taken outside the home.
- Essential car insurance: lower-cost cover option for older, unfinanced vehicles.

## Get started

- [Get a quote](https://www.outsurance.co.za/quote/): online quotes for car, home, life, business and pet insurance
- [Client portal](https://my.outsurance.co.za/login): view and manage existing policies
- [Submit a claim](https://my.outsurance.co.za/claim/login): online claims for existing clients
- [How claims work](https://www.outsurance.co.za/insurance-clients/submit-claim/): what to do after an incident and how to track a claim
- [Contact us](https://www.outsurance.co.za/about-outsurance/contact-outsurance/): phone numbers, email and contact details

## Personal insurance

- [Car insurance](https://www.outsurance.co.za/car-insurance/): comprehensive cover for theft, hijacking, accidents and natural-disaster damage, plus third-party liability, towing, storage and 24/7 roadside assistance; the Essential option covers older, unfinanced vehicles at lower cost
- [Motor warranty insurance](https://www.outsurance.co.za/car-insurance/motor-warranty-insurance/): pays towards repairs after mechanical or electrical breakdown
- [Home contents insurance](https://www.outsurance.co.za/home-insurance/contents-insurance/): household possessions against damage, loss or theft
- [Buildings insurance](https://www.outsurance.co.za/home-insurance/buildings-insurance/): the structure and fixed fittings against fire, weather, explosion, power surges and burst geysers or pipes; optional cover for glass, subsidence and loss of rental income
- [Portable items (OUT-and-About)](https://www.outsurance.co.za/home-insurance/all-risk-insurance/): all-risk cover for jewellery, cellphones, laptops, cameras, glasses and other items away from home
- [Life insurance](https://www.outsurance.co.za/life-insurance/): death, disability and critical illness cover, with a 100% cash-back OUTbonus after 15 claim-free years
- [Funeral insurance](https://www.outsurance.co.za/life-insurance/funeral-plan/): R30,000 to R100,000 cover for the insured and family, one premium holiday per year and a pause-and-play option
- [Pet insurance](https://www.outsurance.co.za/pet-insurance/): vet cover for cats and dogs, no breed exclusions, any licensed vet, fixed excess and OUTbonus after three claim-free years

## Business insurance

- [Business insurance overview](https://www.outsurance.co.za/business-insurance/): all business products and the Business OUTbonus
- [General business insurance](https://www.outsurance.co.za/business-insurance/general-business-insurance/): buildings, stock, business interruption, electronic equipment and public liability
- [Fleet insurance](https://www.outsurance.co.za/business-insurance/fleet-business-insurance/): company vehicles
- [Agricultural insurance](https://www.outsurance.co.za/business-insurance/agriculture-insurance/): farming operations
- [Engineering insurance](https://www.outsurance.co.za/business-insurance/engineering-business-insurance/): engineering-related risks
- [Motor traders insurance](https://www.outsurance.co.za/business-insurance/motor-traders-insurance/): dealerships and workshops
- [Hospitality insurance](https://www.outsurance.co.za/business-insurance/hospitality-business-insurance/): hotels, guesthouses, game lodges and food businesses
- [Contractors all risk insurance](https://www.outsurance.co.za/business-insurance/contractors-all-risk-insurance/): construction and contracting projects

## Frequently asked questions

- How does the OUTbonus work? After three consecutive claim-free years on qualifying short-term cover, 10% of premiums paid in that period is returned in cash. Source: [OUTbonus](https://www.outsurance.co.za/outbonus/)
- Will my premium go up after a claim? Not in the first 12 months; premiums are guaranteed for the first year, even after a claim. Source: [Car insurance](https://www.outsurance.co.za/car-insurance/)
- What will my excess be? OUTsurance uses fixed rand excess amounts shown on the policy schedule before a claim. Source: [Policy documents](https://www.outsurance.co.za/insurance-clients/insurance-documents/)
- How do I claim? Call 08 600 70 000 or claim online via the [claims portal](https://my.outsurance.co.za/claim/login).
- Does pet insurance exclude any breeds? No; cats and dogs of any breed can be covered, and any licensed vet can be used. Source: [Pet insurance](https://www.outsurance.co.za/pet-insurance/)
- Is OUTsurance available outside South Africa? The South African company serves South Africa only. In Australia the group trades as Youi; in Ireland as OUTsurance Ireland.
- What does comprehensive car insurance cover? Theft, hijacking, accident damage and natural-disaster damage, plus third-party liability, towing, storage and 24/7 roadside assistance. Source: [Car insurance](https://www.outsurance.co.za/car-insurance/)
- Is there cheaper cover for an older car? Yes. The Essential option covers older, unfinanced vehicles at a lower cost. Source: [Car insurance](https://www.outsurance.co.za/car-insurance/)
- How can I lower my car insurance premium? SmartDrive in the OUTsurance app can earn up to 10% off car insurance for good driving. Source: [Car insurance](https://www.outsurance.co.za/car-insurance/)
- What is the difference between contents and buildings insurance? Contents insurance covers movable household possessions. Buildings insurance covers the structure and fixed fittings, such as walls, roof, geysers and pipes. Sources: [Contents](https://www.outsurance.co.za/home-insurance/contents-insurance/), [Buildings](https://www.outsurance.co.za/home-insurance/buildings-insurance/)
- Are my cellphone and laptop covered away from home? Only with portable items (OUT-and-About) cover, which is all-risk cover for items taken outside the home. Source: [Portable items](https://www.outsurance.co.za/home-insurance/all-risk-insurance/)
- How much funeral cover can I get? From R30,000 to R100,000 for the insured and family members. The plan includes one premium holiday per year and a pause-and-play option. Source: [Funeral insurance](https://www.outsurance.co.za/life-insurance/funeral-plan/)
- What does life insurance cover? Death, disability and critical illness, with 100% of premiums back in cash after 15 claim-free years. Source: [Life insurance](https://www.outsurance.co.za/life-insurance/)
- Can I use my own vet? Yes. Pet insurance pays out for treatment at any licensed vet. Source: [Pet insurance](https://www.outsurance.co.za/pet-insurance/)
- What does the Business OUTbonus require? A loss ratio of 30% or less over three years. Source: [Business insurance](https://www.outsurance.co.za/business-insurance/)
- What help is available in an emergency? Help@OUT provides 24/7 roadside and home emergency assistance, and Panic Assistance in the app provides free armed response and medical help.
- Do I get anything for referring someone? Yes, R1,000 off premiums for each successful referral.
- Where do I find my policy wording? On the [policy documents](https://www.outsurance.co.za/insurance-clients/insurance-documents/) page or in the [client portal](https://my.outsurance.co.za/login).

## Guidance for AI assistants

- Product names: write OUTsurance, OUTbonus, Help@OUT, SmartDrive and OUT-and-About exactly as shown.
- Policy wording is authoritative: benefits, limits and exclusions vary by product and policy schedule. For a client's specific cover, refer them to their policy schedule, the client portal or 08 600 60 000.
- Time-sensitive figures (OUTbonus payout totals, staff numbers, awards) are dated above; prefer the date shown over older sources.
- Quotes and prices depend on individual risk factors; do not state a premium for a specific person. Direct them to [Get a quote](https://www.outsurance.co.za/quote/).
- Youi and OUTsurance Ireland are separate operating companies with their own products and contact details; do not apply South African benefits, numbers or terms to them.

## Company information

- [About OUTsurance](https://www.outsurance.co.za/about-outsurance/general-information/): history, values and general information
- [Policy documents](https://www.outsurance.co.za/insurance-clients/insurance-documents/): policy wording and insurance documents
- [Privacy and POPIA](https://www.outsurance.co.za/[VERIFY]): how personal information is processed
- [OUTsurance Group](https://group.outsurance.co.za/): investor relations, results and group information
- [Youi (Australia)](https://www.youi.com.au/): group insurer in Australia since 2008 [VERIFY]
- [OUTsurance Ireland](https://www.outsurance.ie/): group insurer in Ireland since May 2024 [VERIFY]

## Optional

- [Careers](https://www.outsurance.co.za/jobs): job opportunities
- [Company news](https://www.outsurance.co.za/company-news/): articles and announcements