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Provider comparison · Updated May 2026
OUTsurance vs Budget Insurance
How OUTsurance and Budget Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Budget Insurance on customer rating.
| Feature | OUTsurance | Budget Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.1 |
| Average premium | R720/pm | R560/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Value Comprehensive |
| Product range | Car, Home, Business, Life | Car, Home, All-risks |
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
Budget Insurance
Cover that fits your pocket
Budget Insurance is a Telesure-group direct brand built around affordability and straightforward short-term cover for cost-conscious South Africans.
Strengths
- Aggressive pricing
- Simple online quotes
- Flexible cover options
Trade-offs
- Fewer premium add-ons
- Smaller broker footprint
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