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Provider comparison · Updated May 2026
OUTsurance vs FNB Insurance
How OUTsurance and FNB Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges FNB Insurance on customer rating.
| Feature | OUTsurance | FNB Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.3 |
| Average premium | R720/pm | R660/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Smart Car Insurance |
| Product range | Car, Home, Business, Life | Car, Home, Life, Funeral |
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
FNB Insurance
Bank-linked short-term cover
FNB Insurance offers short-term and life cover bundled with FNB banking, with eBucks rewards and in-app policy management.
Strengths
- eBucks rewards
- Seamless banking integration
- Easy app management
Trade-offs
- FNB customers only for best rates
- Underwritten by partner insurers
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