OUTsurance Car Insurance Review 2023

OUTsurance car insurance is a motor vehicle insurance policy that covers various types of vehicles, and customers receive 10% of […]

OUTsurance Car Insurance

OUTsurance car insurance is a motor vehicle insurance policy that covers various types of vehicles, and customers receive 10% of their premiums back in cash after 3 claim-free years. If they can’t beat your current car insurance premiums, OUTsurance car insurance give you up to R500.00. OUTsurance car insurance clients receive a R1,500.00 bonus if they have been claim-free with the same insurer for 3 years.

The OUTsurance car insurance premiums are guaranteed to remain the same for the first 12 months. Furthermore, the insurance covers car repairs from approved professionals, with a 12-month guarantee.

OUTsurance car insurance includes liability coverage for damage to third-party property. The insurance product covers up to R5 million where the policyholder is legally responsible for damage to a third party.

For decades, OUTsurance has provided auto insurance solutions and the  company has long dominated the auto insurance industry. OUTsurance has created car insurance policies on which South Africans can rely on due to the Insurers knowledge of South African communities. It is simple to file an insurance claim with OUTsurance and this can be done entirely o nline and responded to within hours.

On the OUTsurance website, one can obtain auto insurance quotes and can create a profile and register as a user after obtaining OUTsurance Car Insurance. This will enable you to change or add new products to your car insurance policy.

The OUTsurance car insurance is discussed further below.

OUTsurance Car Insurance Products

Individual car owners in South Africa can choose from three insurance products offered by OUTsurance. OUTsurance sells car insurance products such as comprehensive car insurance, essential car insurance, and motor warranty insurance. These products are discussed further below.

OUTsurance Comprehensive Car Insurance 

Comprehensive OUTsurance car insurance protects policyholders against loss or damage caused by a variety of occurrences. These include both man-made and natural occurrences. The product covers theft, hijacking, accidents, flood, hail, and intentional damage, among other things.

The OUTsurance Comprehensive Car Insurance allows for the addition of additional covers to enhance one’s coverage.

Addons on OUTsurance comprehensive car insurance

  • Car Hire – car hire cover provides a policyholder with hired car cover if their car is involved in an accident or is hijacked. The rented vehicle will be available for 30 days. When purchasing this product, customers can select the vehicle they want to use in the event of a claimable accident or theft of their vehicle.
  • 4×4 insurance – This coverage is designed for 4×4 owners who frequently travel to neighbouring African countries. The customer’s four-wheel-drive vehicle is insured against loss and damage.
  • SmartDrive – SmartDrive lets comprehensive car insurance holders share their driving behaviour through the OUTsurance app. Smart drivers are rewarded with a 10% discount on their premiums. 
  • Legal and Medical Assistance – provides 24/7 advice over the phone. Customers get legal assistance and documentation, medical support such as emergency response, medical transportation,  hospital transfers, and Credit Shortfall – this cover pays off in the event of the total loss of a vehicle or when a car is totally written off. The cover pays the outstanding vehicle finance amount. 
  • Sound Equipment – this cover is for car sound equipment. The product covers sound equipment against loss and damage. 
  • Bicycle Insurance – covers your bicycle against theft and damage during racing. 
  • Watercraft Insurance – this is a comprehensive cover for watercraft. Watercraft will be covered when transported or ashore or on the coast or inland. 
  • Personal Accident Insurance – the cover is for the policyholder and his/her family. OUTsurance covers the policyholder and family members between the ages of 14 to 70. Death or disability that results from an accident gets R25,000.00 cover. 

OUTsurance Essential Car Insurance 

OUTsurance Essential Car Insurance is a car insurance product designed for car owners with vehicles older than 5 years. The product is intended for cars that are not financed and have a market value of less than R125,000.00. Customers are covered for up to R1,000,000.00 in damage to a third party’s vehicle. 

If your car is stolen, OUTsurance pays the full retail value of the car under the essential car insurance. However, R1,000.00 will be subtracted from the retail value. If your car gets involved in an accident, OUTsurance will pay the value of the damage in cash, however, only up to 40% of the vehicle retail value can be paid.

OUTsurance Motor Warranty Insurance 

OUTsurance motor warranty covers the cost of repairing the vehicle insured following an unforeseen mechanical or electrical breakdown. Vehicles must meet the following qualifying criteria:

  • The vehicle must not be older than 15 years, 
  • The vehicle must have full-service history,
  • Mileage on the vehicle must not exceed 300 000 km, and
  • The vehicle must not have a warranty from another insurance company. 

The executive plan and the standard plan are two types of motor warranty insurance plans. The executive plan includes a higher level of coverage. For example, on an executive plan, the amount covered for an engine is R60,000.00, whereas, on the Standard Plan, the amount covered is R38,000.00. Before selecting a plan, you should become acquainted with the plans and the advantages of selecting one over another.

Advantages of OUTsurance Car Insurance

  • The insurance products available cater to a variety of vehicle owners.
  • There are various product types available.
  • The policyholder can tailor the amount of coverage to their specific needs for car insurance.
  • If you drive well, your premiums will be reduced by 10%.
  • The product includes accidental death insurance.

Disadvantages of OUTsurance car Insurance

  • Older car models cannot be insured with motor warranty insurance.
  • There is no third party only car insurance in OUTsurance products offering

Conclusion 

OUTsurance Car Insurance is a good way to protect any type of vehicle or watercraft. The solutions are designed for frequent travelers, long-distance travelers, and infrequent travelers. The insurer was able to provide coverage for those who own older vehicle models, as well as an insurance product that protects them from loss or damage in a variety of situations.

OUTsurance also covers vehicle parts in various amounts. This provides motorists with the assurance that their vehicle’s parts will be repaired if necessary. Overall, the car insurance offerings are among the best in South Africa. This is due to the products offered as they offer an all-around protection for one’s vehicle.


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