OUTsurance レビュー 

I am extremely disappointed with the handling of my funeral claim. My loved one passed away on 27 July 2026, and I submitted my claim on 29 July 2026. It has now been a week, and I am still waiting for the claim to be finalised while my family has no money to bury our loved one. We have been given repeated delays instead of assistance. This is my third funeral claim with OUTsurance, and unfortunately, the turnaround times have consistently caused financial hardship. I warn everyone from Outsurance they will depress and frustrate you stay away Fam

When registering my claim, I felt as though I was being treated like a criminal. The consultant assisting me was extremely rude, and I am shocked at the conduct of the claims department. At the time of taking out the policy, I was not informed about the option to include accidental cover. In fact, it is unreasonable to expect clients to know that accidental cover is no longer regarded as an insurable peril.

When I explained that I could not access the portal using my ID number, the response I received was simply, “I wonder why,” with no effort made to check or assist further. My excess is equal to the cost of replacing the item, which defeats the purpose of having cover. I also have my business cover with them and I'm really nervous after this experience.

The company claims transparency when selling policies, yet their advertisements are misleading. Consumers should be cautious and ensure they read every word of the fine print before committing.

DO NOT JOIN OUTSURANCE, They won't let you go.

I emailed twice to get my policy cancelled since i sold my car.

3 phone calls later and empty promises of call backs, still they won't cancel my policy.

Reference: 154992554

Reporting them to the Ombudsman since clearly they want legal action to be taken against them.

Update:

How hard can it be to spell a clients name correctly? Shows the level of employment and whos doing your social media pages.

Pathetic, clearly no care at all.

Good morning Darren. We are very sorry to see your claims experience has been challenging! Your claim was escalated to our dispute team and a dispute manager will be in contact with you today.
Regards
The OUTsurance Team

-------------------------

Promised a call from a manager. He called once, clearly didn't know my case even though he said he did.

My car came back stripped from the mechanic lol. Mr Machimana is useless.

I've been with you for over 10 years and this is the first time I have an issue.

Why put people in places of management who can't handle it?

Useless time wasting and disgusting service. Outsurance isn't what it used to be.

Ombudsman will have to do since you choose to ghost clients and return vehicles completely stripped lol.

Do you guys not pay for the services of the assessors and mechanics?

If so, it means you've paid and accepted for this poor workmanship.

But this is an easy straight forward fix, but the human factor and lack of capable people is the issue.

Hire good people like you used to.

I have been with outsurance for almost 5 years now and have till this day not once been disappointed. The services I received is beyond excellent. Car, funeral and life insurance. Thank you!

I have been with outsurance as long as i can remember and with my last 2 claims i had the worst service imaginable. They are cutting costs it seems and the clients gets the lower end of the situation. Firstly they pay out way less than the items are worth at the cheapest and unknown service providers, then they do not even pay for the installation for these items to be professionally installed. This is left at the clients bill. Also they do not even try to listen to reason. I was a loyal customer, but unfortunately will have to look at other insurance companies for better service. When you pay your monthly instalment they do not complain but these days something happens and you need to claim they will ensure that you are worse off than before. Bad Service and Unprofessional staff.

You will get excellent service from OUTsurance while receiving a quote, and they take your money on time each month - they are very good with this.

The challenge comes in when you submit a claim - then the fine print kicks in and everything possible gets done not to pay your claim - you get treated as a criminal and get interrogated about everything.

Outsurance wanted my business for a number of years.

They sell a great pitch, I'll give them that!

Finally I relented. Biggest mistake of my life. The amount of hours my staff and I had to spend on them just to get the basics covered was unreal. No one knows what is going on.

It looks months for claims to be paid out and everything the broker "sold" was inaccurate. Hence my saying 'great pitch' - NO FOLLOW THROUGH!

I've just gone back to my previous insurers and they took the monthly debit off my account - even though they sent me (eventually) a proof of cancellation which is immediate for short term insurance I was told today... by one of the managers. When will I get this debit back into my account? R 45 000.

I'm still waiting for towing fees claimed in Nov and Dec 2025.

Its really been the most tiring and frustrating experience ever...

11 days ago, I responded to a TV Ad campaign where OUTsurance stated that if they can't beat my current premium, they will pay R1500.

I did the quote, they did not beat my premium and I submitted all the required documents to claim for the R1500.

I further received email confirmation from my current insurer stating that the validation process with Outsurance was concluded on the 24th of April 2026. It is now the 4th of May and I have never received any formal feedback, except a vague reply stating that I should submit an Affidavit.

An Affidavit needs context. When I go to SAPS to do an Affidavit, what exactly should I write on it? OUTsurance has not provided any context, none whatsoever.

It is 11 days later. The hoops I should jump for a R1500 payout makes me worried about how they treat bigger vehicle incident claims.

Unfortunately I have to rate one star.
Put in a claim,I had to follow up on when the assesor would be coming out. I did not receive a call, nor message requesting a date, took me four calls and finally complaining to get the assesor out.We have had excessive rain, damage to my property, I then get told claim rejected. I ask for the Assesors Manager to call me, he does he then says we all know building inspectors don't do their job properly. How does he know it was not done properly??? He then tells me he will calculate what must be paid out and I can do what I wish with the money.
Is that the way you speak or treat a customer? When you want business, you phone 3 times a day to get business. Dont use Outsurance they are rude and when it comes to pay out, the look for technicalities and exscuses not to fix.

I recently had a highly disturbing experience with OUTsurance. I was cold-called by an agent (Umar) despite my number being registered on the National Opt-Out (DNC) Registry.

What’s worse is the predatory sales tactic used: despite me explicitly stating I was busy and had not reviewed any documentation, the agent pushed a One-Time Pin (OTP) to my phone and asked me to read it back. For those who don't know, that OTP serves as a digital signature for a Letter of Authority (LOA).

When I reported this as a scam, a General Manager (Douglas Wessels) confirmed the agent is legitimate. This makes it worse. OUTsurance is actively training staff to:

1. Ignore POPIA/DNC status to cold-call business owners.
2. Solicit OTPs over voice calls, which is the exact "Modus Operandi" of vishing scammers.
3. Push legal signatures onto clients who haven't even seen a contract.

By teaching customers that it's "normal" to give OTPs over the phone, OUTsurance is making South Africans more vulnerable to actual fraud. It is irresponsible, unethical, and a blatant breach of FSP conduct. If you get a call from them, do not give them any pins. They are willing to compromise your security just to hit a sales target.

I claimed R2,377 for a once-off accident where my dog slipped and fell. I paid R900 excess.
My premium then increased from R250 to R400.
My dog is healthy and not a higher risk. This was a minor, genuine accident claim.
Increasing premiums this aggressively after a small claim feels like bait and switch marketing. Insurance should not punish clients for using it as intended.
This is a deal breaker for me. I only deal with companies I trust, and I no longer trust OUTsurance.

YOU DONT EVEN DESERVE 1 STAR !!! STILL WAITING FOR SOMEONE SENIOR TO ADDRESS OUR ISSUE ! Staff at Outsurance who spoke to me is PATHETIC !!! AND RUDE !!! If no-one contacts me, I WILL GO TO CARTE BLANCHE , THE INSURANCE OMBUDSMAN AND SOCIAL MEDIA !!! I deserve to be given time of day and heard and be ASSISTED !!!!

Outsurance is awesome. I have been part of the outsurance family for 15 Jr's.
Always experienced quality assistance.
Recently I was involved in a MVA
I was assisted by the most amazing people since I reported my accident they reassured me all the way with empathy and professional advise.

My claim was dealt with by Jarred Ready who immediately reassured me that all will be dealt with and that I would be kept updated.
Jarred did just that and took me through the process with such calm and reassuring advise.

My claim was handled off in amazing time and they kept in contact with me.

I would never even think of changing my insurance.
I have now bought a new little car and immediately had it insured with them.

Amazing team of agents.🤗

Outsurance is the only company in South Africa, in my experience, that truly understands customer care.

No other business comes close to their level of professionalism. They get the basics right, they return calls quickly, there’s no endless waiting on hold, no being passed from one department to another, and no unnecessary ‘press 1 for this, press 2 for that’ menus.

When they call you back (in under a minute), you speak to someone who is properly trained and knows how to deal with clients. Every corporate in South Africa could learn a great deal from their approach to communication and customer service.

We have been with them for 29 years, and they have never once fallen short of their promises. Always reliable. Always consistent!

Keep up the excellent service!

I have been an OUTsurance Pet Insurance customer since 2021. In a single renewal, OUTsurance increased my total monthly premium from R980.52 to R1,837.76, an 87.4% jump overnight.

One pet’s premium was increased by an unbelievable 119.5%, while the other rose by 48%. At the same time, my excess was pushed from around R820 to R1,300 per claim.

This is despite the fact that over the last 12 months I paid roughly R14,000 in premiums and OUTsurance paid less than R6,000 in claims. There is no reasonable justification for increases of this magnitude.

The timing is no coincidence. One of my pets recently turned 11 years old. When I asked if age played a role in these massive hikes, I was told it is a “company secret”.

So the reality is simple: OUTsurance happily takes your money for years, then when your pet gets older and actually needs cover, they massively hike premiums and excesses, effectively forcing you off the policy when you cannot move insurers.

This is unethical and anti-consumer.

I have escalated this to the Ombud and hope they recognise how unfair this is.

Pet owners, be warned. Rather use another insurer that treats long-term customers fairly.

Avoid OUTsurance Pet Insurance.

I have been an OUTsurance client in good faith, but my recent experience has been deeply disappointing and unacceptable.
After querying unexplained increases in excess amounts (while my premium remained unchanged), I explicitly requested that all communication be conducted via email only due to a speech impairment that makes phone calls difficult and unreliable for me.
Despite this:
OUTsurance repeatedly ignored my written request and continued calling.
My concerns were never addressed in writing.
Instead of answering my questions, OUTsurance cancelled my policy with immediate effect, without my consent.
At 17:01 on 14 January, I received a formal cancellation notice stating that my policy was cancelled with effect from that same day. This left me uninsured immediately, forcing me to arrange alternative insurance at short notice and additional cost.
OUTsurance later admitted this was due to an internal misunderstanding between departments. I was effectively told that my loss of cover was the result of their internal process failure — yet I was expected to absorb the consequences.
To make matters worse:
The refund processed does not align with the stated cancellation date
I had to chase for explanations and corrections
Accessibility requirements were not respected
I was financially prejudiced through no fault of my own
While a regional manager eventually acknowledged the service failure and apologised, this only happened after I posted a public review.
This experience raises serious concerns around:
Treating Customers Fairly
Accessibility and accommodation of vulnerable customers
Ethical handling of cancellations
Basic communication standards
Insurance is about trust. When a company can cancel your cover without consent, ignore documented accessibility needs, and leave you uninsured due to “internal errors”, that trust is broken.
I would urge anyone considering OUTsurance to carefully review their documentation and communications and to think twice about whether this is a company you want to rely on when it matters most.

Do not insure with this company
OUTsurance Quote Promotion department refused to pay the R1500 and here is why. I want to warn others to never engage with this company for vehicle insurance:

They called my insurance company, seemingly to check my insurance history. This is their basis of rejection:

- They don't know the difference between Commencement Date and Effective Date. They will reject your claim because of it.
- I have two mobile numbers. According to OUTsurance, they can reject your claim based on this. How dare you have two mobile numbers.
- I have a personal email and work email, they will definitely reject a claim because of this
- If you're going to be away from your primary residence for longer than a month, you should not change to a temporary risk address. This is to ensure that they reject your claim.

Their promotions department was wabbling when I asked them what difference does a telephone number and email address make in Underwriting.

I further asked why did it take over a week to reply to me while their Sales Team claimed that their claim process takes 1 and half days.

I was in an accident on the 27Nov 2025
It was early evening, so I reached out the next morning
From the fist time I've reached out, I felt heard, respected and supported
I never once felt rushed nor treated like a number, but with genuine value.
This was not my first dealings with Outsurance. The instructions as to what they need was so clear and concise, so there was never a back and forth.
Their communication is on point. They approved my claim within about 2-3 hours. Not once did I have to make a follow-up on anything concerning my claim.
Every segment of the claim was rolling like a well oiled machine.
When they communicated, it was so easy because they would inform me of the status quo of the claim, advice me on what's next and they would also guide me as to how I need to execute the next step.
Personally it was a difficult time for me, but big ups to Outsurance that took that stress of me and allow me time and space to deal with my trauma.
Your professionalism and compassion did not go unnoticed.
May God grant you many more years of excellent service and may your business go from strength unto strength, while rendering this kind of service to all the people.
Thank you once again OUTSURANCE. Keep it up!!!

Went on to the Outsurance website to do an online quote for Home Insurance followed all the steps online and taken out a policy

However, I am being hounded by calls from the Outsurance call centre about life and car insurance. Im also getting cals from other companies to offer other services which ive never had before taking out this policy At least 20 to 30 calls per day! The constant harassment is overwhelming. I am now completely put off and will start the process to cancel the policy I've taken. I've even experienced a surge in robocalls
So, if you are considering getting a quote from Outsurance, please be ready for constant bombardment!