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Provider comparison · Updated May 2026
OUTsurance vs AVBOB
How OUTsurance and AVBOB compare on price, claims, products and rewards across the South African market.
OUTsurance edges AVBOB on customer rating.
| Feature | OUTsurance | AVBOB |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.5 |
| Average premium | R720/pm | R110/pm |
| Claims turnaround | 24h | 24h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Family Funeral Plan |
| Product range | Car, Home, Business, Life | Funeral, Life, Memorial Services |
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
AVBOB
Funeral cover from R30k to R100k
AVBOB is a mutual society and South Africa's largest funeral insurer, providing burial benefits and free funeral services to policyholders since 1918.
Strengths
- 24-hour funeral payouts
- Free funeral benefits to policyholders
- Mutual society — no shareholders
Trade-offs
- Funeral-focused product range
- Limited digital self-service
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