OUTsurance Reviews 

I read OUTsurance’s advert: “If our personal car insurance quote can’t beat your current premium (again, on a like-for-like basis) and you’ve been with the same insurer for at least three years without claiming, ask for R1500. Yes, R1500 cash!”
And I believed it!
I submitted an on-line quote request and a consultant phoned me back at 12h09 on 17 November 2025.
OUTsurance could not match the premium that I am currently paying for a Ford Focus.
The consultant [did not get her name], told me that she would email me a request for my R1500.00 cash.
I am still waiting for the email.
No doubt that there is some small print ….

Been fine for the duration of the period in which no claim was made.. But now when I want to cancel it I have radio silence.
Sent multiple emails, all appear to have gone into a black hole.
Where to from here?, I really do not wish to pay for insurance on a house I have no ownership of.

I cancelled my car and house insurance on the 4th November 2025 that I took out with Outsurance a year ago.
My email was clear that cancellation will be effective midnight 30th November. My reason for cancellation was having an increase of almost 20 % on my car premium which should be going down despite no claims and car depreciation.
The regional manager Xandro Smit from Durban called me on the 6th November at 19:05 to try and mediate and reinstate my policy. I refused point blankly because of their exorbitant increase.
I was surprised to get a rebate from Outsurance on the 14th November and out of concern reached out to my broker Brenton Rungasamy via email, wats app and telephone but to no avail.
After reaching out to client support today I was told my policy was cancelled on the 4th November and not covered.
My house, contents and vehicle was therefore not covered for almost 2 weeks. My broker did not follow my cancellation instructions and send any cancellation of contract as well.
This exposed me to huge risk of loss in the event of a claim during this period that I was not covered for.
I find this very unethical business practice and would advise clients seeking insurance to read through the mostly negative reviews on this platform before engaging with Outsurance.
The agent that helped me today reinstated my policy until the end of the month and promised she would escalate my problem at my request. I now have a savings of almost R 1 300 per month and added benefits. What you see is not always what you get.

On the 15/09/2025, a team leader / manager promised to investigate my case and get back to me within 48 hours. It is now almost 2 months later. Part of my complaint was a request for information and call recordings as per my right under the POPIA act. Therefore, outsurance might be in breach of this very law.

If you intend on never claiming, go ahead and sign up. If you actually dare to claim from the insurance you pay for, prepare for a massive increase! I have pet insurance for my 2 cats. In 2024, I claimed from the accident benefit (R3600) and my premium went up by 15%. Now, in 2025, my premium is going up by 42% because I claimed R3600 again this year. Absolutely crazy. Imagine what will happen if a big accident or illness claim is submitted.

A lady hit my car and then proceeded to lie to Outsurance (her insurer). Outsurance refuses to accept the testimony of the witness in my car because we know each other. They don't care that her story has changed from her SAPS report. They won't request the video footage from Vumacam (I'm not allowed to because of the POPI Act), because it proves their client is guilty! They're not interested in the truth - they just want to avoid payment.

My start date for insurance with Outsurance is on November but they deducted 2 different amount in my account and I called them on the 2nd of October to rectify and reverse my cash,they say it will be reversed,only to find that they only reversed small amount which is R101 they deducted and the other R3096 was not reversed.It really dissapointing to be scammed by huge insurance company.I wouldn't advice any one to join this insurance company they are not good at all

Outsurance. More than 13 years no claims and the one time we claim they do a number on us. Watch out for their affiliated companies. You might just have your vehicle returned with more damage that it had. Don't ask them for a copy of phone call recordings!!!!! Thanks Outsurance. You guys are number one! You know what I mean.

Highly unprofessional and rude. Would rather take your money or ask you on dates then give the service you ask for. They also see Quotes as an Invoice then charge you the highest amount they can

Two years ago we logged a claim for our microwave and the access on the microwave was more than the microwave actually cost. On Monday we logged a claim for our fridge, its Thursday and again the same thing where Outsurance got a quote for a fridge of R6 799 and the access on this is R5440 and they want to pay a mere R1359 out to us for a fridge which does not even cover a bar fridge. For years you pay insurance to cover yourself, but nowadays its the other way around. Sit with rotten food that cost more than the access and it took outsurance 4 days to process our claim. We will be looking out for insurance where they look after the client not where the client looks after the insurance company.

Today I was advised that the company would give me R1400 to pay towards car hire as they are not willing to extend the car hire, knowing that I do not live in a city where Uber is readily available, when I asked them to call me back, this had once again changed. My next step now is to take this to the Ombudsman and social media. My vehicle is still in for repairs. I also asked for all the call recordings to be sent to me from the date I took the insurance out and guess what... it gives an error message saying page could not be found. No surprise there...

South Africa, Brackenfell, Western Cape.

This is an overall rating of unfortunately 2 stars, because it's a general rating of a specific period dealing with OUTsurance consultants/agents over a period of 1 week, starting 1st September 2025 to 5 Sept 2025.

On the 5th of Sept 2025 I've noticed money taken off my bank account that I needed to discussed after cancellation of my policy 2-3 weeks ago, and then helping my brother starting a different policy under his name, being the owner now of the car I had for 4 months.

My brother took the car over from me, and I wanted to help him to get insurance cover, opening a new policy under his name. I've also discovered on the same day while dealing with the above that there was a mix-up with the policy number and that my policy number I've cancelled is under the same policy number my brother was having at that point.

I needed to get clarity on 2 things which resulted in me spending 5-6 hours on my cell- phone with Outsurance consultants, having had to talk with 5-6 people, explaining the same issues about my queries over and over again.

During these communications on the day some other issues came up, because now I was also contacted by other OT "junior"consultants to start a whole new policy under my brother's name right from scratch, wher I've already gone through the whole process on Wednesday the 3rd Sept '25.

If this was handled correctly by the first 2 individuals Jamie who I first spoke to on the 3rd of Sep, and Thapelo I spoke to first thing on the morning 5th Sept, there would have been more consistency in the communication, and less frustration and stress caused to me as the client.

I should have been able to talk about my specific, actual, and relevant queries with one specific, relevant person helping me throughout the whole process on the day.

I was actually only helping my brother out, because he is not very digitally advanced, and is struggling with some methods of communication regarding certain administrative aspects.

In the end I still did not get the best deal for my brother and it turned out an extremely exhausting, unsatisfactory waste of my day, by having had to deal with inconsistency of the OT team who were either "very junior", and not competent dealing with certain aspects of the job. Most of the 5-6 people seemed they've lacked the necessary skills to deal with specific processes and related unique quaries or situations.

The rest of the people I've dealt with on the 5th Sept names I've taken down, but later-on I've stopped writing their names down because there were too many people involved in the end..
- Jamie
- Thapelo
- Thabang MATLHOBOGOANA
- Gogo
- Janele
- Tommy (Afrikaans guy)
..etc..

Ps: My own experience over 4 months while I had my Insurance with Outsurance which started in May/June 2025 was great with a person named Tsholofelo (Evidence) Madega, who have made sure she has given me her contact details from the start so that there could be consistency in our communications to avoid any misunderstandings and unclear communication. I give 5 Stars only to her!

Thank you
Regards
Renskie Cornelissen

I received written confirmation that my policy was cancelled, yet the company still deducted funds from my account. They admitted it was their error but insisted I must wait six days for a refund, which has caused unnecessary financial strain. This level of service is unacceptable, and I will never use them again.

Rest assured that if you were to ever leave South Africa and your new insurance company needs any form of correspondence with Outsurance to validate your past profile, you are on your own. They do not care, I was told by a lady named Chenai Bhene (supposedly a very high ranking manager), that there was nothing exceptional about me as millions of people are leaving the country. I have not been able to get insurance in the country that I relocated to because Outsurance simply won't respond to all of their emails confirming if I was indeed their client. I was with Outsurance for a whole 5 years

I've been calling many times to cancel with outsurance. Every time I'm given this long statements forcing me to stay. Then I'm told to go talk to the bank about it.
All I want is to cancel the policy as it's too expensive for my budget.

OUTsurance Negligence in Authorising Engine Rebuild

On 14 March 2025, I lodged a claim with OUTsurance (Claim Number: 403323575), clearly stating that my vehicle appeared to be mixing oil and water. OUTsurance instructed me to take the vehicle to any RMI-approved workshop for diagnosis.

On 17 March 2025, I took the car to B Mobile Mechanic. They diagnosed the vehicle and recommended a coolant flush. I also asked them to replace the serpentine belt tensioner, which is routine maintenance. During this maintenance, the engine seized.

B Mobile admitted responsibility for the damage and lodged a claim with their insurer — which also happens to be OUTsurance. OUTsurance sent an assessor to inspect the damage.

Here’s where the problem lies: despite clear signs that B Mobile did not have the capacity to carry out a competent engine rebuild, OUTsurance approved and paid for them to do exactly that. The correct, permanent solution would have been to replace the engine or settle the vehicle finance with the bank.

After the rebuild, the vehicle travelled less than 350 km before the engine started knocking again — proving the repair was ineffective. This outcome was entirely foreseeable if the assessor had exercised proper skill, care, and judgement.

In my view, this amounts to negligence by both OUTsurance and their appointed assessor. Their decision has caused me ongoing financial loss, inconvenience, and the continued use of a defective vehicle.

I am now demanding that OUTsurance:

Accept full responsibility for authorising the rebuild; and

Provide a permanent remedy — either replace the engine to OEM standard or settle the car with the bank in full.

If OUTsurance fails to resolve this matter promptly, I will pursue further action through legal channels and relevant regulatory bodies.

I have had my home owners insurance for less than six months with Outsurance. My geyser decided to burst. Outsurance team, your professionalism and promptness thoughout the process is much appreciated. I felt like I was in a ship cruise. I will forever remember the experience.

Condescending, pushy and arrogant.
My partner has had the pet cover for her dogs for who-knows-how-long, and suddenly the third-party liability has been taken away, yet the premium has been increased.

She’s now decided to move over to another provider, and decided to call Outsurance to cancel. First she was told that “no, she obviously misunderstood or it wasn’t explained correctly”, she then kept saying they must please just cancel the policy. The lady then gets her manager to try and explain this to her.

This manager then continues to be condescending, disrespectful and insensitive. Talking to her like she’s stupid, and just not accepting “no”.

No is a full sentence.
Get your people in line.

Poor customer service/communication

I have been trying for 2 weeks to obtain a tax certificate for this year.

I emailed- no response
I call- the calls are dropped ( x10 calls)
I get the standard reply repeatedly- download the app. I would simply like a tax certificate emailed to me

Dont waste your time getting quotes from these folks! They quoted me initially R2000 per month to insure, the next DAY it became R200, trying to tell me I mis -heard. When I pushed them, they eventually admitted they wanted to insure my bakkie for R30k and that they dont put value in writing! Truly crap, pushy, poor salespeople that REALLY require some proper Training! I will not be going back there again! Ive now blocked their number as they called me 12 times trying to pitch me again and again!