OUTsurance offers South Africans a unique approach to motor insurance that combines comprehensive coverage options with notable perks like cash bonuses and emergency assistance. Whether you’re a first-time car owner or looking to switch providers, this guide breaks down what makes OUTsurance motor insurance a top choice.
What Does OUTsurance Motor Insurance Cover?
OUTsurance’s motor insurance policy is designed to protect drivers against a variety of risks, from accidents to mechanical breakdowns. Here’s an overview of the coverage options available:
- Comprehensive Coverage: Protects against damage, theft, and third-party claims. It covers costs to repair or replace your vehicle, including coverage for accidental or intentional damage caused by someone else.
- Third-Party Only: Provides coverage when you’re legally responsible for damages to someone else’s property.
- Motor Warranty Insurance: Covers repair costs for unexpected mechanical or electrical failures. This includes parts that stop functioning due to permanent faults that require repair or replacement before they can work properly.
- Help@OUT Emergency Road Assistance: This add-on provides 24/7 assistance for emergencies, whether you need roadside support, panic assistance, or help at your home or office.
The OUTbonus: Get Cash Back for Being Claim-Free
OUTsurance’s OUTbonus is a standout feature. When you remain claim-free for three consecutive years, OUTsurance rewards you with 10% of your paid premiums in cash. This loyalty reward has resulted in more than R6 billion in OUTbonuses distributed to over 800,000 clients—a compelling reason to drive safely and avoid minor claims.
Why Choose OUTsurance Motor Insurance?
OUTsurance has built a reputation for client-centered benefits that make their motor insurance plans an appealing option:
- Customizable Plans: Clients can choose a plan that fits their lifestyle and driving habits, allowing them to balance coverage and premium costs.
- OUTbonus Rewards: Drivers are rewarded for driving responsibly with cash rewards.
- Help@OUT Assistance: This 24/7 service means drivers can have peace of mind on the road and at home, knowing that emergency assistance is a call away.
Terms to Understand in Your Motor Insurance Policy
Insurance terms can be tricky, but understanding these basics can help you navigate your policy more confidently:
- Excess: This is the amount you pay upfront for each claim. The amount is specified in your policy schedule and is paid directly to the service provider handling your claim.
- Valid Claim: A claim becomes “valid” when the incident falls within your policy’s coverage. If you’re in an accident, for example, and it’s covered by your policy, your claim is considered valid.
- Third-Party: Refers to another individual or entity involved in an incident for which you are legally responsible, such as a car you accidentally damage.
- Insured Value: The maximum amount OUTsurance will pay for a claim, minus any excess, betterment, or depreciation. This amount may also go toward paying off any financed amount on the vehicle.
- Write-Off: If the cost to repair the vehicle exceeds its value, the car may be “written off,” meaning OUTsurance will pay the car’s insured value rather than covering repairs.
How to Get an OUTsurance Motor Insurance Quote
OUTsurance provides easy access to quotes through both telephonic and online channels. For a seamless experience, you can start an online quote by submitting essential details about your vehicle and preferred insurance type. A consultant may follow up to finalize the process, ensuring you get the best coverage for your needs.