OUTsurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OUTsurance suits South African households and small fleets that want the same insurer for car, home, life and pet cover, billed monthly from ZAR 551. It underwrites its own risk under a Financial Sector Conduct Authority licence, so the cover sits with a regulated carrier rather than a broker.
Key facts
- Best for
- A monthly insurer for a South African household or a small fleet.
- Premium from
- ZAR 551 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Motorcycle, Life, Critical-illness, Pet, Gadget (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- Life death cover from R200,000 (Source, checked September 26, 2026)
- Claims channels
- Website, Mobile app, Phone (Source, checked September 26, 2026)
- Age range
- 14-70 (Source, checked September 26, 2026)
- Legal entity
- OUTsurance Insurance Company Limited (Source, checked September 26, 2026)
- Headquarters
- South Africa (Source, checked September 26, 2026)
- Founded
- 1998 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- outsurance.co.za
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Public-liability, Professional-indemnity, Employers-liability, Property (Source, checked September 26, 2026)
- Premium from
- ZAR 551 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Industries
- fleet, agriculture, engineering, motor traders, hospitality (Source, checked September 26, 2026)
- Legal entity
- OUTsurance Insurance Company Limited (Source, checked September 26, 2026)
- Headquarters
- South Africa (Source, checked September 26, 2026)
- Founded
- 1998 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Cover runs from car and home to life, critical illness, pet and gadget insurance under a single regulated carrier: auto, home and motorcycle.
- Monthly payments are available and the billing model is monthly, so the published premium is a monthly figure.
- Claims can be started on the website, in the mobile app or by phone: website, mobile app and phone.
Cons
- Premiums start at ZAR 551, so the advertised price is a floor rather than a quote for a specific risk.
- Support runs on phone, email and help centre, with no live chat among the channels.
- Cover is limited to the age range 14-70, which rules out the youngest and oldest applicants.
Who it suits
- Households in South Africa who want car, home, life, critical illness and pet cover from a regulated insurer, billed monthly.
- Small fleets and trades that need public liability and professional indemnity next to their personal cover: public liability, professional indemnity and employers liability.
Who should look elsewhere
- Readers who want travel or health cover in the same basket, since Good Sam Insurance Agency lists auto, home and renters and those lines sit outside the auto, home and motorcycle range here.
- Shoppers after the smallest entry figure, because bunq lists €0 while this premium starts at ZAR 551.
How your money is protected
OUTsurance is an insurer rather than a broker or a comparison site, so the risk sits on its own book and the premium you pay goes to the company that settles the claim. In South Africa the Financial Sector Conduct Authority supervises it, under licence 2007/035347/06. Check that licence against the company name on your documents before you pay.
The company behind it
OUTsurance Insurance Company Limited is the legal entity behind the policies, based in South Africa and trading since 1998. Support runs on phone, email and help centre, so your questions reach someone by phone, by email or through the help centre. The company is licensed by the Financial Sector Conduct Authority under 2007/035347/06, the name and licence to check before you sign.
How OUTsurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2- 9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
mtu24
Where OUTsurance is available
- Available
- South Africa
- Licence in South Africa
- Financial Sector Conduct Authority (FSCA) (2007/035347/06), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What will a policy cost with OUTsurance?+
Premiums start at ZAR 551 a month, monthly payments are available, and the billing model is monthly, so the published figure is a monthly one. Treat it as a floor, since the cover range here runs from car insurance to gadget insurance: auto, home and motorcycle. Each line prices on its own details.
Is OUTsurance regulated?+
It is an insurer, licensed in South Africa by the Financial Sector Conduct Authority under 2007/035347/06. Because the company underwrites the cover itself, the risk stays on its own book rather than moving to another carrier, so your policy sits with a regulated insurer.
How do I make a claim?+
Claims can be started on the website, in the mobile app or by phone: website, mobile app and phone. Day to day support runs on phone, email and help centre, so you can log a claim in the app and then follow up by email or through the help centre when a handler is assigned.
How is the account billed and managed?+
Monthly payments are available and the account model is monthly, so premiums are collected each month rather than in a lump. Claims start through website, mobile app and phone, and support on phone, email and help centre handles the account questions that follow, from changes of address to cancellations.
Who can be insured?+
The published age range is 14-70, so the youngest applicants and the oldest fall outside what the terms cover. Monthly payments let a household start with a modest sum and adjust as the policies change, instead of committing to a larger premium at the outset.
Is OUTsurance available outside South Africa?+
The company is based in South Africa, per ZA, and is licensed by the Financial Sector Conduct Authority, so the policies are written for that market. Premiums are quoted in rand from ZAR 551, which matters if you are used to paying in another currency.
Can a small business insure with the same carrier?+
Personal cover runs to auto, home and motorcycle and business lines add public liability, professional indemnity and employers liability, so a fleet owner does not need another carrier for the trade side. Life death cover from R200,000 is the published floor on the life product, and the same company carries the household and the business book.
Sources
- outsurance.co.za checked September 26, 2026
Backs: Provider type, Legal entity, Premium from, Licences
“OUTsurance Insurance Company Limited, Reg no. 1994/010719/06. A licensed non-life insurer and financial services provider.”
- outsurance.co.za/about-outsurance checked September 26, 2026
Backs: Headquarters, Insurance types
“OUTsurance is a South African insurance provider”
- outsurance.co.za/about-outsurance/contact-outsurance checked September 26, 2026
Backs: Support channels
“For the fastest response please call us on 08 600 60 000 or 08 600 70 000 ... Mail option: cc@out.co.za”
- outsurance.co.za/car-insurance checked September 26, 2026
Backs: Founded, Pricing model, Monthly payments
“Since we opened our doors in 1998, we've paid more than R7.5 billion in OUTbonuses to more than 994,600 clients.”
- outsurance.co.za/insurance checked September 26, 2026
Backs: Age range
“We provide accidental death, temporary total disability, as well as permanent disability cover to anyone between the ages of 14 and 70.”
- outsurance.co.za/life-insurance/death-cover checked September 26, 2026
Backs: Claims channels, Cover limit
“Submitting a claim is easy via the website, my.outsurance portal, our app or by phoning our call centre.”
- outsurance.co.za checked September 26, 2026
Backs: Industries
“Fleet insurance ... Agricultural insurance ... Engineering insurance ... Motor traders ... Hospitality”
- outsurance.co.za/business-insurance/liability-insurance checked September 26, 2026
Backs: Cover types
“Professional Indemnity Liability ... Public liability insurance”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.