Not all insurers are created equal – and it’s a good thing! In South Africa’s highly competitive short-term insurance market, consumers are spoiled for choice – especially when it comes to choosing the right insurance for their specific needs.
Which begs the question, with so many options available: how do you – as a consumer – differentiate between the good, the great and the truly exceptional?
OUTsurance – one of South Africa’s leading insurance providers, offers valuable insights into key factors to consider when choosing a trusted insurance partner: financial stability, customer service, and claims efficiency.
An insurer you can trust
Choosing the best car insurance starts with partnering with an insurer who will pay insurance claims reliably for many years to come.
With over 27 years experience in the short-term insurance industry, OUTsurance is recognised as one of South Africa’s leading insurance providers.
Not only has OUTsurance been named News24’s Short-Term Insurer of the Year for three years running, but they’re also ranked among the top car insurance providers in 2025 thanks to their efficient claims processes and customer-centric services.
Not yet a client? Get a quote from OUTsurance
Awesome service, every step of the way
Whether you’re updating your payment method or adding a vehicle, your insurer should deliver exceptional customer service every step of the way.
This sets the tone for high-stress moments —like when you submit a claim—where empathy, trust, and reassurance are not just appreciated, but expected.
When asked what matters most in an insurer, OUTsurance client, Wayne summed it up perfectly, ‘For me it’s really customer service, it’s getting my money’s worth.
So, if I phone OUTsurance [with a problem], they’re always there…. Service and savings – you always get something out.’
Customer satisfaction platforms back this up. OUTsurance achieved an average Hellopeter TrustIndex rating of 9.99 out of 10 over the past year and a 4.89 out of 5 average on Google Reviews between January and July 2025.
A proven track record of fast and fair claims settlement
Choose an insurance partner with a proven track record of handling claims fairly and efficiently.
This can be verified through information about the insurer’s claims processing times, media articles and industry reports to get a feel for a particular insurer’s reputation in terms of paying out claims fairly.
Since 2021, OUTsurance has consistently received the fewest complaints per 1 000 claims referred to the Ombudsman. Between January and July 2025, OUTsurance surpassed its previous best with 0.65 complaints per 1 000 claims.
With OUTsurance you always get something out
Looking for the best car insurance in South Africa? Whether you’re retired, work from home, or a daily commuter, you’ll be pleased to know that OUTsurance base your comprehensive car insurance premium on your unique risk profile which could result in a potential saving.
They offer a fixed excess – unlike many insurers who charge a percentage of the claim amount – and reward you with a cash OUTbonus after three consecutive claim-free years.
If you have cheap insurance and think no one can beat your current vehicle insurance premium, try OUTsurance’s R500 challenge: if they’re more expensive, you can ask them to pay you R500.
Compare with confidence
Take a moment to compare your current car insurance with OUTsurance – and ask yourself: Does my insurer offer a fixed excess? Do they reward me for not claiming?
Complete the online form for a quote. You could end up with better service, more value, and extra cash in your pocket.
OUTsurance is a licensed insurer and FSP. News24 Business Awards 2025. Hellopeter data average from August 2024 up and until July 2025. Google Reviews data average from January 2025 up and until July 2025. Internal non-life personal lines ombudsman data (calendar year 2021-2024). Ts and Cs online. The OUTbonus is a standard product feature, only paid after three claim-free years and is premium dependent.
