Car Insurance South Africa 2026
OUTsurance
OUTsurance
Car Insurance
One of SA's largest direct insurers and the OUTbonus pioneer. Not on our panel — we cover them here for reference.
Compare our panel →
One of SA's largest direct insurers and the OUTbonus pioneer. Not on our panel — we cover them here for reference.
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 is one of South Africa's largest and most recognised direct insurers, founded in 1998. It is backed by Rand Merchant Investment Holdings and has expanded into Australia and Ireland. In South Africa, OUTsurance is best known for its OUTbonus — a cash-back mechanism that returns a portion of your premiums if you don't claim for a set period.
You can get a quote directly from OUTsurance at outsurance.co.za.
OUTsurance uses a risk-based pricing model similar to other direct SA insurers. Based on our data, OUTsurance's mean effective rate sits at approximately 0.44% of vehicle trade value per month — placing it in the mid-to-upper range of the SA market. Its strength is in the OUTbonus: if you insure for three years without claiming, you receive 10% of your paid premiums back as cash.
The OUTbonus changes the total cost of ownership calculation. A driver who pays R1,200/month and doesn't claim over 36 months receives approximately R4,320 back. For low-claim drivers, this improves the effective rate materially.
OUTsurance does not participate in the Compare Car Insurance panel at this time. We recommend getting a direct quote from their website and comparing it against the quotes you receive from our panel to find the best deal for your profile.