OUTsurance Home Contents Insurance

Outsurance was founded in 1998 by Willem Roos, Howard Aron, and Rene’ Otto.

At that time Outsurance was only offering household and car insurance to South Africans with the promise that as their customers you’ll always receive something in return. Outsurance is part of the Rand Merchant Investment Holding Group.

Insurance products for businesses of all sizes 

2003 saw the launch of Business Outsurance, which was specifically designed to provide insurance products for businesses of all sizes.

In August 2008, Outsurance made an entrance into the life insurance market by providing car insurance clients with the option to buy credit life insurance on financed vehicles.

Advanced online quoting functionality

In 2008, Australia launched Youi, which is an Outsurance sister company with advanced technological quoting functionality offering home and car insurance to the Australian market. Two years later, Outsurance expanded into the life insurance market by providing death, critical illness, and disability cover.

More than R3 billion paid out in cash

Outsurance became the first insurance company to introduce Outbonus which is a cash bonus system in South Africa that rewards you if you remain claim free for three consecutive years. So far, Outsurance has paid out more than R3 billion in cash to many South Africans who’ve not claimed in 3 years.

Lower premium than you're currently paying elsewhere

Outsurance’s advanced underwriting system is based on a client's distinctive risk profile, which means as a low-risk client you don’t have to subsidise high-risk clients and Outsurance can offer you a lower premium than you’re currently paying elsewhere. Outsurance insurance products are affordable, simple, and come with no hidden clause.

Helping Hands Volunteer Programme was launched to help others in need 

In 2003, the Helping Hands Volunteer Programme was launched to make it easy for every Outsurance employee to help others in need. Outsurance volunteers were involved in a variety of projects such as:

• Centurion SPCA
• CANSA Shavathon
• Pop Up
• Hands Can Winter Drive
• Rally to Read
• Bathlobathle Daycare
• Animal Ambulance
• The Niall Mellon House Build 

With a mindset of helping South Africans, many Outsurance employees took part in 49 different initiatives to help the underprivileged.

Outsurance home content provides coverage for valuables in your home, including electronics and appliances, furniture and household aesthetics.

Home content insurance is an affordable way to protect your belongings against intentional damage, theft and damage caused by an electrical surge or ruptured geyser.

If you take out a home content insurance policy from Outsurance you’ll receive

• A 10% bonus on your premiums, provided you haven’t made any claim for 3 years
• 24/7 access to a variety of services from professional locksmiths, plumbers and electricians
• No changes to your premium for 12 months
• Excess that's not subject to change, regardless of the size or value of your claim
• A list of approved service providers who’ll quickly fix and replace your items if they break
• Free benefits such as cover when you lose your keys and grocery cover when you experience a power outage.

For complete protection and peace of mind, add these

• Portable possessions insurance - Covers your belongings when you leave them behind at home. The portable possessions insurance includes coverage for watches, photography equipment, cellphones and jewellery.
• Buildings insurance - Buildings insurance covers damage to your home from natural disasters such as power outages, ruptured geysers, and leaking pipes. If your home is not suitable for you to live in due to an incident. Outsurance will provide temporary accommodation.
• Legal and medical assistance - If you add this feature under the Help@Out package deal, you’ll get over-the-phone medical and legal advice 24/7.
• Personal accident insurance - Personal accident insurance covers you and any members of your household in the event of an accident resulting in death or disability.  Personal accident insurance can be added to your car, home contents, and building insurance policies.
• Exclusive extras for women - By paying an extra fee, you can enjoy the benefits of Lady@Out, which includes handbag protection when you’re out and about, free handyman services and security upgrades when you’re at home or driving.

Outsurance understands that sometimes you’ll need them when something goes wrong. That’s why their claims process is quick and simple. You can choose to speak to a claims consultant or select online options.

How can you determine the value of your contents? 

To determine the value of your belongings, Outsurance can provide you with an inventory to get an estimate of the value of your contents. Outsurance also has professional advisors who can help you with any questions you may have about the worth of your possessions.