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Provider comparison · Updated May 2026
OUTsurance vs Clientèle
How OUTsurance and Clientèle compare on price, claims, products and rewards across the South African market.
OUTsurance edges Clientèle on customer rating.
| Feature | OUTsurance | Clientèle |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.1 |
| Average premium | R720/pm | R150/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Funeral Plus |
| Product range | Car, Home, Business, Life | Funeral, Life, Legal, Health |
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
Clientèle
Direct life and legal cover
Clientèle is a JSE-listed direct insurer offering funeral, life, legal and health policies via telesales and digital channels.
Strengths
- Fast funeral payouts
- Strong call-centre sales
- Legal cover specialist
Trade-offs
- Aggressive telesales reputation
- Limited short-term cover
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