Outsurance Car Insurance – Coverage, Quotes & Claims
Learn how Outsurance car insurance works, what’s covered, and how to get a quote and file a claim in South Africa. Plus, details on their cost-saving features and bonus programs.
Outsurance car insurance is an established insurance company in South Africa offering a range of car insurance products. We’ll compare their Comprehensive car insurance, Essential car insurance, motor warranty cover, Lady@OUT program for women drivers, and Help@OUT roadside assistance. We will also look at how their coverage works, what’s included, their best price guarantee and bonus programs, how to get a quote, and how the claims process works.
Compare Outsurance Car Insurance Products
- Comprehensive Car Cover: Their top-tier plan covering accidents, theft, hijacking, fire, and natural disasters. Includes extras like car hire and emergency accommodation.
- Insurance Essential Cover: A budget option still providing solid protection against major events like accidents and theft, but with fewer extras and lower premiums.
- Motor Warranty: Extended warranty for mechanical failures and electrical problems not usually covered by regular car insurance. Provides peace of mind after manufacturer warranty ends.
- Lady@OUT: Special extras just for women drivers, including handbag cover, child car seat replacement if in an accident, and access to a network of female-friendly service providers.
- Help@OUT: 24/7 emergency roadside assistance anywhere in South Africa for breakdowns, flat tires, lockouts, and more. Includes safe ride home if driver is unfit to drive.
How Does Outsurance Car Insurance Work?
With Outsurance, you pay a monthly premium based on your selected plan, vehicle make and model, driver risk profile, and other factors. In return, you’re protected financially if your car is damaged or stolen, based on the terms of your policy. Outsurance policies are underwritten by Rand Merchant Insurance.
What’s Covered by Outsurance Car Insurance?
Specifics depend on the plan you choose, but in general, Outsurance car insurance covers:
- Accident damage to your own vehicle
- Damage or injury you cause to other parties
- Theft and hijacking
- Fire, hail, and natural disaster damage
- Towing and storage costs after an incident
- Extras like car hire, emergency accommodation & Help@OUT roadside assistance on some plans
Their Comprehensive plan provides the widest protection, while Essential is more limited but also more affordable. Motor Warranty and Lady@OUT offer specialized additional cover.
Outsurance Best Price Guarantee & OUTbonus
Outsurance is so confident in their premiums that they offer a “best price guarantee” – if you can find the same level of cover at a lower price, they’ll beat it by 10%. They also reward clients who remain claim-free with their OUTbonus program, paying cash back for each consecutive claim-free year.
Getting an Outsurance vehicle Insurance Quote : “Get a Quote”. Provide some basic information about yourself and your vehicle. Choose the plan you’re interested in and any optional extras. Outsurance will calculate your premium and present you with a quote detailing the cost and coverage. The whole process takes just 5-10 minutes.
OUTsurance Essential | Low cost & Convenient – Carleen & Mpho
Outsurance Car Insurance Claims Process
If your car is stolen or damaged, notify Outsurance as soon as possible via their 24/7 claims line. An assessor will be appointed to review the damage. If approved, Outsurance will pay out the claim amount, less any excess, so you can repair or replace your vehicle. They’ll also help arrange towing, car hire and accommodation if necessary.
Conclusion
Outsurance offers a solid range of car insurance options for South African drivers, with some appealing extras and a reputation for good service. Their best price guarantee and OUTbonus reward program are attractive features, and the quote and claims processes seem user-friendly. If you’re looking for car insurance, it’s worth including them in your comparisons.