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Provider comparison · Updated May 2026
Discovery Insure vs OUTsurance
How Discovery Insure and OUTsurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Discovery Insure on customer rating.
| Feature | Discovery Insure | OUTsurance |
|---|---|---|
| Customer rating | ★ 4.7 | ★ 4.8 |
| Average premium | R680/pm | R720/pm |
| Claims turnaround | 48h | 24h |
| Pricing tier | Premium | Mid-range |
| Flagship product | Vitality Drive | OUTbonus |
| Product range | Comprehensive Car, Home & Buildings, Discovery Life, Health Plans | Car, Home, Business, Life |
Discovery Insure
Behaviour-based rewards & telematics
Part of the Discovery Group, Discovery Insure pioneered shared-value insurance in South Africa, rewarding safer driving and healthier living through Vitality.
Strengths
- Vitality fuel cash-back up to 25%
- Strong claims technology
- Unlimited roadside
Trade-offs
- Higher entry-level pricing
- Best value requires app engagement
OUTsurance
You always get something OUT
Founded in 1998, OUTsurance is one of South Africa's most-recognised short-term insurers, famous for its OUTbonus and call-centre service model.
Strengths
- 24-hour claims turnaround
- OUTbonus cash-back after 3 claim-free years
- Strong call-centre
Trade-offs
- Fixed R4,000 excess on some products
- Limited online self-service
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