OUTsurance Car Insurance

OUTsurance Car Insurance Overview

OUTsurance offers a comprehensive range of car insurance options designed to provide more than just cover. Known for excellent service, competitive premiums, and a range of unique features, OUTsurance aims to offer value and peace of mind to its clients.

Comprehensive Car Insurance

Key Benefits

  • Fixed Excess: Choose a fixed excess amount to know exactly what you’ll pay when making a claim.
  • 12-Month Guaranteed Premiums: Enjoy stable premiums for a year.
  • Cash OUTbonus: Receive 10% of your premiums back in cash if you remain claim-free for three years.
  • 24/7 Roadside Assistance: Access emergency help at any time.

Coverage Details

  • Accidents and Intentional Damage: Cover for loss or damage due to accidents or intentional acts.
  • Acts of Nature: Protection against fires, explosions, storms, earthquakes, and other natural events.
  • Towing and Storage: Coverage for towing and storage costs following an accident.
  • Third-Party Liability: Liability coverage for damage to other people’s property.

Essential Car Insurance

Designed for Older Vehicles

  • Affordable Option: Tailored for unfinanced vehicles over five years old and worth less than R130,000.
  • Cash Payouts: Claims paid in cash, allowing you to choose your repairer.
  • Liability Cover: Up to R1 million liability cover for third-party damage.
  • Theft and Accidents: Coverage for vehicle theft and accidental damage.

Motor Warranty Insurance

Breakdown Protection

  • Repair Costs: Covers the costs of repairing your vehicle after a sudden mechanical or electrical breakdown.
  • Comprehensive Coverage: Includes repairs for permanent mechanical, electrical, or electronic faults.

Cash OUTbonus

Reward for Claim-Free Clients

  • 10% Cashback: Receive 10% of your paid premiums back if you remain claim-free for three consecutive years.
  • Significant Payouts: OUTsurance has paid approximately R6 billion in OUTbonuses to over 800,000 clients.

Help@OUT Emergency Assistance

Comprehensive Support

  • Home and Road Assistance: Access to panic, roadside, and home/office assistance.
  • Exclusive Access: Available to all OUTsurance clients, providing peace of mind with 24/7 support.

Car Insurance Terms Explained

Understanding Key Terms

  • Excess: The amount you pay when making a claim. This is noted on your schedule and payable upfront.
  • Valid Claim: A claim that meets the criteria outlined in your policy.
  • Third-Party: The person whose property is damaged as a result of your actions.
  • Insured Value: The maximum amount payable for a claim, less any excess and other deductions.
  • Write-Off: When the cost of repairs exceeds the vehicle’s value, leading to a total loss settlement.
  • Insurance Quote: An estimated premium based on your provided information, which can be finalized online or via phone.

Additional Features

  • Policy Management: Manage your policy online or via the app, including updating vehicle details and submitting claims.
  • Document Access: Easily view and manage policy documents and other important information.

Conclusion

OUTsurance offers a comprehensive suite of car insurance products tailored to meet diverse needs. From comprehensive coverage to essential insurance for older vehicles and motor warranty insurance, OUTsurance provides value, exceptional service, and peace of mind to its clients. With features like the cash OUTbonus and 24/7 roadside assistance, clients can trust that they are getting more than just insurance coverage.