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Provider comparison · Updated May 2026
OUTsurance vs Constantia Insurance
How OUTsurance and Constantia Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Constantia Insurance on customer rating.
| Feature | OUTsurance | Constantia Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4 |
| Average premium | R720/pm | R720/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Niche Commercial |
| Product range | Car, Home, Business, Life | Personal Lines, Commercial, Niche, Marine |
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
Constantia Insurance
Niche personal & commercial cover
Constantia Insurance is a South African short-term insurer focused on niche personal and commercial risks distributed via brokers.
Strengths
- Specialist niche underwriting
- Flexible bespoke covers
- Established broker relationships
Trade-offs
- Broker-only distribution
- Limited brand visibility
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