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Provider comparison · Updated May 2026
OUTsurance vs Bryte Insurance
How OUTsurance and Bryte Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Bryte Insurance on customer rating.
| Feature | OUTsurance | Bryte Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.2 |
| Average premium | R720/pm | R820/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Commercial Combined |
| Product range | Car, Home, Business, Life | Commercial, Marine, Engineering, Liability |
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
Bryte Insurance
Specialist commercial insurer
Bryte (formerly Zurich SA) is a commercial-focused short-term insurer specialising in mid-market and corporate risk, distributed through brokers.
Strengths
- Deep commercial expertise
- Risk-engineering services
- Strong claims team
Trade-offs
- Commercial focus — less personal cover
- Broker-only distribution
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