OutSurance Car Insurance - Get Essential Cover for your car
There is a company that provides car insurance to cater your every need. If you are looking for an insurance company that offers top of the game coverage and at accessible prices, then you should definitely consider OUTsurance. Here, we will be discussing its main coverage plans such as the Essential Coverage. We will also be talking about insurance for older cars and other characteristics of OUTsurance.
Does the Essential Car Insurance of OUTsurance have Positive Reviews?
You should try to avoid jumping into rush decisions that might cause you problems afterwards. We’ve received many messages from our readers telling us all about how they regretted buying certain car insurance from the first insurance company they stumbled into. Before you enter these types of agreement, you should at least have made some research on the product and company.
One way you can do this is through car insurance reviews. You will find hundreds of reviews online about companies and products. In the case of OUTsurance, it has highly positive comments. There is one specific review that depicts this company as responsible and always willing to go the extra mile for their clients. There are some people who complain about not having had an answer about a claim; however, we have no way of knowing if that issue was solved or not.
You can do this research yourself with your cellphone or computer. However, based on the positive comments by many clients and the fact that this company is a licensed insurer, should you decide to buy its car insurance, you will be making a sound choice.
9 Benefits of choosing OUTsurance Car Insurance
We could think that all insurance companies are the same and that it will make no difference which one you choose since they all offer similar products. This is not entirely true. Yes, all companies will be offering different types of coverage plans that will be more or less the same along all companies. However, there are some companies, such as OUTsurance, that offer additional benefits to make the difference and invite you to buy their insurance.
Here we will tell you about 9 of these benefits. Do you want to know which they are? Here we go.
- They guarantee you the best price
- Cash backs for not claiming
- Roadside assistance 24/7
- Your policy will have a guarantee for 12 months
- Fixed excess rates
- Repairs of your vehicle by OUTsurance’s providers with guarantee
- Another factor you should take into consideration when deciding which insurance to opt out from is checking what kind of coverage they offer. At OUTsurance you will find two:
- Comprehensive Car Insurance
- Essential Car Insurance
The Comprehensive Car Insurance is a plan that covers from third party liability to theft, accidents, floods, etc. With this plan, you will have the peace of mind that everything will be taken care of in the event something unexpected should happen.
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Is there a Special Car Insurance Plan for old cars at OUTsurance?
If your car is older than 5 years, is not being financed and is worth less than 125,000 rand, at OUTsurance you have a less expensive option called Essential Car Insurance. The amazing thing is that the only difference with the Comprehensive plan is that you cannot claim cash backs and that the coverage level for accidents is 40% of the value of the car, and that some coverage limits are lower. Other than that, the coverage is exactly the same. It includes:
- Premium guarantee for 12 months
- Excess for 1,000 rands
- Coverage for theft, up to the value of retail of the car
- Liability up to one million rands
If you want to know how much you would pay for your premium on either of the two coverage plans offered by OUTsurance, you can do so by quoting online. You will be asked personal information like your name and your address, for instance, and information about the car (what brand is it, year of manufacturing, and so on).
Also, once you buy the insurance and need to make a claim about an incident such as an accident or a theft, you will be able to do it online. There is an online form to fill out and the company will later contact you with an answer. Of course, if you prefer, you will also be able to file claims over the phone. This is definitely a win-win for everybody, because in this way you do not have to move from your house to start your claims and the company avoids having a lot of people crowding in their offices.
How does OUTsurance Smart Drive Work?
Smart Drive is a program created by OUTsurance to reward their clients that have good driving habits. If you join the program, you will have to download an app on your phone that will collect information regarding your style when accelerating, braking, how you corner, etcetera. So, if the app detects that you have good driving habits, you will receive up to a 10% discount on your following premium payment.
In order for you to be able to use this program, you will need to have a smartphone with IOS or Android systems. Once you join the program, the app will collect your driving information and after 30 days in which you should have driven at least 200 km in a minimum of five different trips, if you qualify, you will get the discount.
Notice that you should not worry about the information collected being used unwisely. The company will only use your information to determine if you are eligible to receive the discount. All data gathered through the app will be confidential and will not be used against you in the event you file a claim. Also, if at any given time you decide that you do not want to participate in the program any more, all you have to do is report this to OUTsurance by forfeiting the discount.
Here you found information on the different car insurance plans offered by OUTsurance. You’ve learned that you can choose from a Comprehensive plan and an Essential plan. Also, you were told about the benefits offered by the company and the reviews made by its clients. Finally, you were introduced to the Smart Drive program and were informed as to how it works.
Questions and answers
How much would the monthly car insurance premium be, on a 1987 Mazda 323 driven by a 44-year-old lady? My daughter wants the outsurance essential cover. Kind regards.
In order to know how much a car insurance premium would cost per month (the outsurance essential cover), it is important for the applicant to provide the insurance company with some personal information. You will need to state your complete name and surname, a contact number, an email address, and finally, an RSA ID number.
Is it worth is paying a higher excess?
Yes, it can lower the amount of your monthly premium.
Why should I consider the comprehensive cover assuming it might be the most expensive one?
With the comprehensive cover you will make sure you are always protected and you will not be paying for repairs. It won't necessarily be the most expensive option.
What are some of the safe driving habits that will make you get the rewards on the Safe_Driver plan?
Some of this habits include not speeding, not accelerating or breaking harshly or avoiding driving at night.