Is price the most important factor when choosing car insurance?

Quality insurance is more than just a monthly payment

What is at the top of your list when you’re looking for alternative car insurance? Is it affordable premiums, awesome service or great benefits? Or maybe it’s a combination of all of the above? 

It’s easy to think of insurance as just another monthly expense, until something goes wrong. And in South Africa, where vehicle theft and accident rates are among the highest in the world, having reliable cover is more important than most people realise. 

Because at the end of the day, what you’re paying for matters far more than how much you’re paying. 

Here’s what to look for in a policy that truly protects you:

• • Affordable cover: If you’re looking for cheap car insurance quotes, make sure to look at what is included and what’s not included in your cover. 
  • Reasonable excess: When choosing the best car insurance premium, always make sure that your excess is a reasonable amount that you will be able to pay when you claim. Always ask when additional excesses will be payable and whether you will need to pay a percentage-based excess (a percentage of the final claim amount) or a fixed excess (a set amount that remains fixed, irrespective of the claim amount). 

• What are you covered for: Ask about possible exclusions and make sure that you understand the difference between comprehensive cover, limited cover, and third-party cover. 

• Awesome service: Fast, helpful claims support can make all the difference in a stressful moment. Don’t hesitate to read reviews and even ask around before committing to a car insurer. 

• Benefits: Included benefits like roadside assistance, storage, and panic assistance as well as extras such as car hire can save you a lot of stress and money in a time of need. You may also qualify for a cashback reward or no-claims bonus if you remain claim free for a specified period. 

Invest in dependable support when it matters most

Car insurance shouldn’t be just another box you tick. It’s more than just a claim payout; It’s the reassuring voice on the other end of the line after an accident, it’s the helping hand when you’re stranded on the side of the road, and it’s knowing that your claim will be handled fairly and quickly.

OUTsurance offers two smart options that balance affordability with real protection: 

Comprehensive car insurance

Get extensive cover with OUTsurance comprehensive car insurance and enjoy great benefits like a fixed excess, a cash OUTbonus, and 24/7 roadside assistance.

Your vehicle will be covered for loss or damage due to accidents, intentional damage, fire, storms, and other natural events. They also include towing, storage, and liability cover for damage caused to other people’s property while driving the insured vehicle. 

Essential car insurance

If you are looking for reliable protection at a more affordable rate and have a car that’s older than 5 years and not financed, OUTsurance Essential Car Insurance might be the perfect fit.

Essential car insurance covers you against theft, accident cover (up to 40% of the vehicle’s retail value) and R1million liability cover. Claims are also paid out in cash, your excess is deducted from the claim payout, and you can choose your own panel beater.

More than just insurance

Whether you choose Comprehensive or Essential cover, you’ll benefit from:

• Transparent pricing with no hidden fees
• Awesome customer service
• Innovative self-service features available on the OUTsurance App
• A cash OUTbonus if you remain claim free for three consecutive years
• A trusted brand with over 28 years of experience

So next time you’re choosing a provider, ask yourself: ‘What am I paying for?’ and ‘What will I be getting out?’

With OUTsurance, the answer is simple: real protection, real value, and real peace of mind.

Disclaimer: OUTsurance is a licensed insurer & FSP. Source: Internal data

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