How much is OUTsurance car insurance per month?

Comprehensive cover generally runs R600–R950 a month for an entry-level hatchback and R950–R1,600 for a mid-range sedan in Gauteng, depending on the vehicle, your area and your driving record.

How does the OUTsurance OUTbonus work?

OUTsurance pays back a percentage of your premiums in cash after a defined claim-free period. Submitting a claim restarts the qualifying period, so small claims are often not worth making.

Should I claim for small damage with OUTsurance?

Compare the repair cost against your excess plus the OUTbonus you would forfeit. For minor damage, paying out of pocket is frequently the cheaper outcome.

Is OUTsurance cheaper than King Price?

Not usually at inception — King Price often quotes lower up front. Over several claim-free years the OUTbonus can reverse that. Get both quotes on identical cover and excess to compare properly.

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OUTsurance car insurance: what the OUTbonus is really worth

OUTsurance is one of South Africa's largest direct insurers and its defining feature is the OUTbonus — a cash payback of a portion of premiums after a set number of claim-free years. It rewards exactly the behaviour insurers want, and for careful drivers it can materially reduce the effective cost of cover. The catch is straightforward: one claim resets the clock.

At a glance

OUTbonus pays back a share of premiums after a defined claim-free period.
Comprehensive, third party fire & theft, and third party only options.
Help@OUTsurance roadside and accident assistance included on most plans.
Direct sales and claims — no broker in the chain.

OUTsurance car insurance prices

Indicative South African market ranges. Your own quote depends on age, location and the exact cover you choose.

Cover	Typical premium	Notes
Entry hatchback, low-risk area	R600 – R950 / month	Comprehensive, standard excess.
Mid-range sedan, Gauteng	R950 – R1,600 / month	Theft-risk loading applies.
SUV / bakkie	R1,300 – R2,300 / month	Model and area dependent.
Third party only	R160 – R420 / month	Liability cover only.

Waiting periods and when cover starts

Cover begins on the agreed inception date after the first premium.
The OUTbonus qualifying period runs from inception and restarts after a claim.
Optional benefits may carry separate qualifying terms.

How to claim from OUTsurance

Report through the OUTsurance app or claims line, ideally at the scene.
Supply the incident details, police case number where required and photographs.
Assessment and repair are handled through OUTsurance's approved repairer network.
The excess is payable on repair; claiming also resets your OUTbonus cycle.

OUTsurance pros and cons

What works well

OUTbonus is a real cash return for claim-free driving.
Consistently high service and claims-satisfaction ratings in SA.
Included roadside and accident assistance.
Straightforward, well-documented policy wording.

What to watch

Starting premiums are often above the cheapest direct insurers.
A single small claim can cost you more in forfeited OUTbonus than the claim is worth.
No broker advocacy if a claim is disputed.

Alternatives to OUTsurance

King Price: Premium decreases monthly instead of paying a lump-sum bonus.
MiWay: More granular control over excess and optional cover.
Discovery Insure: Rewards safe driving continuously rather than only at bonus milestones.

Compare OUTsurance against the rest of the market

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OUTsurance car insurance: frequently asked questions

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King Price car insurancePrices, waiting periods and alternatives

CompareQuotes.co.za is an independent comparison service and is not affiliated with OUTsurance. Premium ranges are indicative South African market estimates for general guidance only and are not a quote or financial advice. Always confirm the benefits, exclusions and waiting periods in the provider's policy schedule.