Essential insurance cover provides a low-cost alternative to comprehensive car, contents and buildings insurance. If your vehicle is valued at less than R125 000, older than five years, and not financed, this could be the product for you.
Essential buildings cover provides building cover up to a maximum of R200 000 and essential contents cover provides cover up to a maximum of R50 000.
Why choose Essential cover from OUTsurance?
Claims settled in cash
When it comes claim time, we'll pay you out in cash (minus your excess amount).
Because claims are paid in cash, you can shop around for repairs or replacements at a price that works for you.
Choose the Essential cover that suits you
Essential car insurance
If your vehicle is older than five years, not financed and worth less than R125 000, essential car insurance may just be the perfect alternative to our comprehensive car insurance package. It’s more affordable than comprehensive insurance, you’ll be covered for accidental damage up to your chosen amount (up to 40% of the retail value of your vehicle), you can repair the vehicle at a repairer of your choice, and you’ll receive liability cover up to R1 million.
Essential buildings insurance
Your building will be covered for a maximum of R200 000 in case of fire, explosion and any acts of nature such as earthquakes, wind or hail storms. We also provide cover if your geyser bursts or if your building gets damaged because of impact by a vehicle. In addition, you’ll receive liability cover up to R50,000 if you can be held legally liable for injuries or damage to someone else’s property.
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.