Can I Get Outsurance Car Insurance in Durban?
So you are a citizen from Durban and want to be sure that your car gets the best insurance? Then you will be glad to know more about what Outsurance can offer you.
Let’s start with the different covers that the company provides you. Each of these covers is designed to adapt to your budget. We will take a look at the benefits they offer and then you can choose which suits you best. Outsurance offers three covers:
Comprehensive: the idea with this type of insurance is that you will be able to save more money than choosing any other cover. What are the benefits it has? It protects you against fire, covers dents and scratches, hail and flood damage, bumper bashings, liability claims, intentional damage and damage caused by a third party.
Motor liability: when you are in an accident and have caused damage to a third party or when it even represents a loss for a third party, Outsurance guarantees to every financial liability. It doesn’t matter if you are driving a friend`s vehicle and you are responsible for the accident, the company will cover it anyway. Moreover, you have access to a premium that has a 12 months guarantee, which is a lot of time. And what about paying excess? You don’t even have to worry about that, there is no need to pay an excess on your car cover. However, it is important to point out that this cover is effective as long as you have already selected the limited carinsurance or the comprehensive one. And don’t forget this, you are also covered in cases of theft, accidental damages, accidents created by nature and even fire.
Essential car insurance: If you do not want to spend a lot of money, then this is the cheapest option you will find. You can have access to it immediately if your car doesn’t cost more than R100 000, is more than five years old and has not been financed yet. But, what does this type of cover offer?
Your excess will be turned into a payment deduction. This refers to an amount of R1000 but you can always increase it to an amount of R4000. That is up to you.
If your vehicle gets damaged in an accident, no matter if it is caused by explosions, fire, hail, earthquake, snow, flood or storm, Outsurance is willing to pay you even more than 40% of you’re the insured value of your car and in cash. Great, right?
You can always select which will be the amount of accidental damage cover as it depends on the type of car you possess.
Now, let’s talk about this fabulous system they have created, called “HELP@OUT”, intended to assist wherever you are at any time.
Outsurance home assistance and emergency roadside is always available for you as they have 24 hours phone lines which function 7 days a week in case you find yourself in an emergency and need immediate assistance. And what’s that phone if you are in Durban? 08 600 80 000.
What about roadside assistance? The team will rescue you as soon as you phone them. Imagine a situation in which you are by yourself, alone with your vehicle and feel helpless. You don’t need to worry, their team will be there right away. It doesn’t matter if you are very close from home, their Help@OUT team will get to you as soon as possible.
During the waiting, a towing service will be in contact with you until the help arrives. And of course, all the costs related to towing will be definitely covered by Outsurance, so don’t worry about any further costs. In case your battery or tire is flat or you accidentally forgot the keys inside your car, Outsurance will pay the fees and the first hour of labor. And if you have run out of fuel, 10 liters of fuel will be given to you and for free.
And the best part is that if you are very far from home, let’s say 40 kilometers, and your car breaks down, you will be given accommodation for the night as well as another means of transport. Want more? The safe repatriation is also covered.
Bear in mind this: only clients that reside in South Africa have full access to this type of assistance. Such people need to possess a limit of R 5000, which is anual. Moreover, no more than two accidents per car are covered.
How about home assistance? If you have an emergency at home, Outsurance team will be there to assist you. Any type of professional that you need to assist you will get as soon as possible to your home, be that electricians, plumbers, bee keepers, locksmiths, builders or even glaziers. The bill of the call as well as the first hour of labor will be covered by Outsurance. You will also feel safer as a security guard will be delivered to your home in case you have lost your security and feel in danger. Once again, all these costs will be charged to the company.
What about Medical and Legal assistance? If you pay a small premium, additional to your insurance, you can have access to their Medical and Legal assistance. This means that whenever you need advice you will get it as you will have access to their medical and legal telephone, which functions 24/7. If you are having doubts while dealing with legal documentation you can also call this phone. And what is more, you can do this any time of the day or night.
Pay attention to the following situations in which this telephone line may be useful to you:
Medical transportation and response, which includes inter-hospital transfers
Referrals to a doctor and a medical facility.
Hospital admissions are paid by the company ( this includes a maximum of R5 000)
The dispatch of essential medicine and a doctor will be arranged.
The escorted returns of minors will also be arranged.
Available telephonic counseling that includes face-to-face sessions per incident
You will receive HIV blood tests as well as the necessary medication to prevent any sexually transmitted disease
You will get a starter kit with all the necessary ani-retroviral treatment.
To conclude, if you were asking yourself what does Outsurance offer if you are living in Durban, you have found a plenty of possibilities. As mentioned before, you can choose any of those covers and you also have access to a wide variety of assistance.
Interested in contacting Outsurance? Here is their address: Anton Lembede Street, Durban – 4001 and Here is their phone: 086 006 0000
Find the best insurance of South Africa
King Price - Car Insurance
- Choose the excess that best suits your budget. - Save up to 20% when you cover 2+ cars with us. - Emergency assistance 24/7, for when you need to be rescued. - Shortfall cover: for complete peace of mind when your car is financed.
Questions and answers
Legal assistance means that I will have access to a lawyer?
Yes, in case you need that type of advice (legal one)
Where can I get more information?
You can always call their operators, who will be glad to give you further information
What if my car is less than 5 years old?
In that case you might choose the comprehensive cover
I can’t believe have lived for a long time in Durban and didn’t know there was an Outsurance branch here. Thanks!
Great information, I will contact them as soon as I can
I really like the comprehensive option