The OUTbonus is real: 10% of your premiums back after three claim-free years. Here's when that maths works in your favour — and when a lower monthly premium wins instead.
Compare our panel →OUTbonus: cash back if you don't claim — a genuine differentiator
Strong brand with over 25 years in SA market
Good digital self-service tools and app
Competitive pricing for low-risk drivers
OUTbonus is forfeited on a claim — changes the calculus on small claims
Direct model only — no broker option
Not on the Compare Car Insurance quote panel
OUTsurance has been one of SA's most recognised direct insurers since 1998. Their headline benefit — the OUTbonus — is not a marketing gimmick: after three consecutive claim-free years, you receive 10% of your total paid premiums back as cash. For a driver paying R1,200/month, that's roughly R4,320 back after 36 months.
The catch: any claim forfeits the OUTbonus for that period and resets the clock. If you claim once in three years — for anything — the cash-back disappears. This changes the calculus on small claims. Many OUTsurance customers absorb minor repairs out of pocket specifically to protect their OUTbonus.
The OUTbonus rewards drivers who are statistically low-risk: experienced drivers, secure overnight parking, low annual kilometres, clean claims history, low-crime areas. For this profile, the effective rate after OUTbonus is among the most competitive in the market.
For higher-risk profiles — younger drivers, high-crime areas, higher claim frequency — the OUTbonus is unlikely to materialise and the base premium may not be the most competitive available. In this case, comparing against direct alternatives is more important.
OUTsurance's base premium sits in the mid-to-upper range of the SA direct market. Their risk model prices accurately and doesn't low-ball the initial quote to win business cheaply. What you see at quoting is close to what you'll pay at renewal — which is actually a point in their favour compared to insurers who lure on price then load aggressively.
OUTsurance isn't on our panel, but our six licensed SA insurers are competing for your business right now. Get quotes, compare against what OUTsurance offers direct, then decide.
Compare our panel →OUTsurance does not participate in third-party comparison panels — they sell exclusively direct. That's a deliberate choice on their part, not a reflection of the product quality. The best approach: get a direct quote at outsurance.co.za alongside the quotes from our panel. Run the numbers with and without the OUTbonus materialising. Then decide.