Outsurance

Outsurance covers any SA registered vehicle, motorcycle, LDV, caravan or trailer. OUTsurance offers the following coverage:

Comprehensive coverage covers your vehicle in case of accidental damage, theft and misuse and injury to others or damage their property.

Limited coverage, which covers your vehicle for damage caused by fire, theft and misuse and injury to others or damage their property. Accidental damage to your vehicle is not covered.

Liability to other people which covers you for liability to others when an accident caused death or injury to themselves or damage their property.

Essential Car insurance cover is a no frills option for older, lower value cars where you choose the combination (from a range of options) of coverage you need. There are various options available that cover accidental damage, theft and diversion and accountability to others. You also select the amount of coverage you need.

Optional cover:

Vehicle sound equipment and accessories must be specified and are covered for loss or damage.

Car Hire provides you with a hired car if your car is stolen, hijacked or damaged in an accident and is being repaired at the panelbeater. 

Vehicle Credit Shortfall covers the outstanding amount you owe on your vehicle to a finance company following a claim where your vehicle is written off, stolen or hijacked and not recovered.

OUT-in-Africa covers your vehicle (especially your 4x4) for private use in Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe. It covers off-road use, repatriation to SA, emergency medical evacuation, shelter and repair of personal vehicles.

Business use in countries outside SA covers your vehicle for business use in Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe.

Advantages:

• Your vehicle is covered for its retail value. This value is determined by "The Auto Dealers Guide, published by TransUnion and takes the age, mileage and condition of your vehicle and accessories into account. This allows you, if your vehicle is written off, stolen or stolen and not recovered to purchase a new vehicle of a similar brand and model. You can also choose to close the vehicle for its market value to reduce the premium.
  
  
• Their fixed excess means that you pay the selected excess and it remains the same whatever the nature or value of your claim. There is no "hidden shocks" of additional varying excesses of between 5% and 10% of the value claim.
  
  
• You can select the excess option which suits your pocket (from as low as R1000); the highest surplus, plus the premium.
  
  
• They have an approved panel of repairers who are selected based on its service and strict quality standards. Repairs are guaranteed for a full 12 months thus ensuring your peace of mind.
  
  
• Membership for HELP @OUT is free and offers 24 hours emergency service roadside assistance with towing following a breakdown or accident. Only OUTsurance approved towing contractors are used to ensure that your car is towed to a safe place or one of our authorized service providers for the care and repair.