OUTsurance

OUTsurance is dedicated to service excellence and makes a point to go out of their way to exceed their customer’s expectations.

So whether you’re looking for an all-inclusive insurance package to cover your home and everything in it or need special cover for some valuable antiques and jewelry they’re ready to deliver.

One of the biggest fish in the sea

OUTsurance, which is a division of Rand Merchant Investment Holdings, is one of the country’s largest and most reliable insurance companies. Their size and their listing on the Johannesburg Stock Exchange (JSE) may seem insignificant to you if all you need is an affordable home contents policy but, it’s in fact extremely relevant.

Their size means that they’re financially stable meaning you’re in good hands. They’re able to provide affordable insurance and innovative products since they’re leading the market.

Big on enterprise development

OUTsurance is a firm believer in the power of entrepreneurship, not only to improve the lives of individuals but to create jobs and uplift communities. Their Kwande Programme focuses on enterprise and supplier development across its value chain.

The businesses that they select are able to access loans and grants, business mentorship, and specialist intervention to provide them with the best possible chance for stability, growth, and long-term success.

The pioneers of the cash-back model

OUTsurance was the force behind the introduction of the cashback for no claims model. While the concept has gained momentum with other insurers no one does it as much and as often as OUTsurance. They pay out around R350 million in cashback bonuses every year now that’s something don’t you think?

Whether it’s taking time and investing resources to help rebuild and clean up after civil unrest or taking the time to support local child welfare programs their Staff Helping SA OUT initiative is commendable and has made a world of difference to countless children and families.

OUTsurance is one of South Africa’s largest and most efficient insurers.

They not only cover your building, home contents, and portable possessions but are able to offer you access to great discounts from their approved partners in the event that you need repairs or replacements FAST.

Home contents insurance with a difference

OUTsurance offers home content insurance that comes with a host of benefits you won’t get anywhere else. This includes a 10% premium cashback if you haven’t claimed for three years, access to their Free Help@OUT which will arrange for plumbers, electricians, and locksmiths to help you in your time of need, and even free bonus cover for groceries when the power goes out.

Items l can insure

Home contents insurance allows you to ensure all the possessions in your home. From furniture and decor to clothing and jewelry, they can all be covered in minutes. If you own any jewelry, watches, or gold coins valued at more than R75,000 you will need to specify each of these on your policy as they will not be covered by the general policy.

What l am covered for

• Theft
• Damage or loss caused by fire, earthquakes, and weather-related incidents
• Damage or loss caused by burst geysers, boilers, and solar water heating systems
• Damage and loss due to power surges
• Damage and loss caused by impact (animals, trees, aircraft, and vehicles)
• Accidental breakage
• Charges for fire brigade services
• Temporary accommodation in the event that your home is uninhabitable
• Transport for contents

In addition to the above, you’re also covered for personal liability (in the event of your or anyone of your family members who live with you cause accidental death or injury to a third party or cause loss or damage to the property of a third party and are legally liable to pay such damages. This cover, as with all the areas mentioned above, comes with a cover limit which you should take note of.