OUTsurance review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
OUTsurance is a South African insurer writing its own policies, with a single monthly payment model and a starting premium of ZAR 551. It suits people in South Africa who want car, home, life, pet or gadget cover from one provider, rather than a broker or comparison site.
Key facts
- Best for
- South African households wanting several kinds of personal insurance paid monthly from one insurer.
- Premium from
- ZAR 551↗
- Insurance types
- Auto, Home, Motorcycle, Life, Critical-illness, Pet, Gadget↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Cover limit
- Life death cover from R200,000↗
- Claims channels
- Website, Mobile app, Phone↗
- Age range
- 14-70↗
- Legal entity
- OUTsurance Insurance Company Limited↗
- Headquarters
- South Africa↗
- Founded
- 1998↗
- Support channels
- Phone, Email, Help-centre↗
- Pricing model
- Monthly
- Official website
- outsurance.co.za
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Insurer, not broker: the legal entity is OUTsurance Insurance Company Limited
- Monthly payments on a monthly-only model, monthly
- Cover spans auto, home and motorcycle
- Life death cover starts at Life death cover from R200,000
Cons
- A single market: cover is written in South Africa, ZA
- Premium of ZAR 551 sits well above the site median of €8.31
- Support runs on phone, email and help centre with no walk-in branch listed
Who it suits
- South African drivers paying car premiums monthly
- Households bundling life and critical illness with car or home cover
- Pet and gadget owners already inside the OUTsurance book
Who should look elsewhere
- Anyone outside South Africa, since cover is written in South Africa
- Shoppers wanting the cheapest entry premium, because ZAR 551 is above €8.31
- People who prefer a broker to pick cover for them, since insurer is an insurer
Safety of your money
OUTsurance is an insurer, which means it carries the risk itself rather than placing policies with other underwriters. The legal entity is OUTsurance Insurance Company Limited, and the licence recorded for it is 2007/035347/06, held with the Financial Sector Conduct Authority in South Africa. Since premiums are collected in the same market, any policy you hold is only as secure as that single regulated balance sheet.
How OUTsurance compares
9.1 vs 8.6
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 8.5
9.1 vs 9.4
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 8.7
9.1 vs 9.4
9.1 vs 9.2
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.7Linxea is a life insurer rather than a multi-line personal insurer, with premiums from €25.
9.1 vs 9.0
9.1 vs 8.8bunq is a bank rather than an insurer, so it writes no car, home or life cover; its listed starting premium is €0.
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.0
9.1 vs 8.3
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
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 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.6
9.1 vs 8.6
9.1 vs 8.5
9.1 vs 8.4
9.1 vs 8.3
9.1 vs 8.3
9.1 vs 8.2- 9.1 vs 8.0
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 does OUTsurance charge as a starting premium?+
Premiums start at ZAR 551, set in rand. That is the lowest figure on the site for a policy of this kind. The site median for a starting premium is €8.31, so OUTsurance sits above the middle of the market on entry price. Your own premium depends on the cover you pick.
Who regulates OUTsurance?+
OUTsurance is an insurer rather than a broker, and the legal entity is OUTsurance Insurance Company Limited. Its licence is 2007/035347/06, issued by the Financial Sector Conduct Authority in South Africa. That regulator is the one named in the licence record.
Can I pay my premium monthly?+
Yes. Monthly payments are available, and the payment model is monthly, meaning the monthly instalment is the only structure offered. There is no annual lump sum arrangement in the model record, so a monthly debit is the way premiums leave your account. The broader site leans the same way, with 89% of listed brands paying monthly.
What kinds of insurance does OUTsurance write?+
The range covers auto, home and motorcycle, which includes car, home, motorcycle, life, critical illness, pet and gadget policies. That breadth is why a single provider can handle a whole household rather than one risk at a time. Death cover on the life side starts at Life death cover from R200,000.
How old do I have to be to hold a policy?+
The eligible age range runs 14-70, so the book is aimed at adults rather than children. Outside those limits the policy cannot be written. Nothing in the record suggests a separate route for younger applicants.
How do I make a claim?+
Claims can be started through website, mobile app and phone, which covers the website, the mobile app and the phone. Filing digitally or by call both work, and a claim does not need a branch visit. If you have a question before a loss, phone, email and help centre covers phone, email and a help centre.
Where does OUTsurance operate?+
OUTsurance writes in a single market: ZA. The business was founded in 1998 and remains a South African insurer, so a policy bought elsewhere does not transfer. Buyers outside the country would need a local insurer instead.
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.”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
OUTsurance
South African households wanting several kinds of personal insurance paid monthly from one insurer.