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Essential insurance

Need insurance for your home? 

OUTsurance, in our innovative way, has developed Essential OUTsurance - a straightforward, semi-comprehensive insurance package. 

Essential contents insurance

You'll be covered to a maximum of R50 000 for damage caused by acts of nature, fire, impact by a vehicle or damage caused by a leaking or burst geyser.

Finally, if you can be held legally liable for any injuries or damage following a fire and which occurred at the risk address, we'll cover you for up to R50 000.

In case of a claim, you won't pay an excess - we only subtract R300 from the final payout amount. 

Add a little something extra... 

Theft cover

Our optional theft cover ensures that you'll receive cover in case of theft. You can also specify the exact amount of theft cover you require.

Theft cover for unoccupied buildings

If you already have theft cover and your house will be unoccupied for more than 30 days at a time, you might want to consider taking out this optional cover as well.

OUT-and-About

OUT-and-About perfectly complements essential contents insurance when you take any of your household items outside the house.

Death of a member of your household

In the event that a member of your household dies as a direct result of a fire at your home, we'll pay R1 500 per incident if you choose this optional cover.

Essential buildings insurance

We’ve made sure that your building will be covered for a maximum of R200 000 in case of fireexplosion and any acts of nature such as earthquakeswind or hail storms. We also provide cover if your geyser bursts and your building gets damaged because of impact by a vehicle. 

If you can be held legally liable for any injuries or damage to someone else’s property, we’ll cover you for up to R50 000.

You’ll never pay an excess - we only subtract R300 from the final payout amount. You also can choose to increase this amount if you want.

Add a little something extra...

Theft cover

If you can add a little extra insurance cover into your budget, add optional theft cover (and theft cover for unoccupied buildings) to your standard buildings cover and know you'll be covered in case of theft. Remember, that you'll be able to specify the exact amount of theft cover you require.

Death of a member of your household

Should a fire at your home cause the death of a household member, we'll pay R1 500 per incident.

If your vehicle is valued at less than R100 000, older than five years; and not financed then you might be interested in our Essential car insurance product.