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Provider comparison · Updated May 2026
OUTsurance vs Liberty
How OUTsurance and Liberty compare on price, claims, products and rewards across the South African market.
OUTsurance edges Liberty on customer rating.
| Feature | OUTsurance | Liberty |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.3 |
| Average premium | R720/pm | R260/pm |
| Claims turnaround | 24h | 96h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Lifestyle Protector |
| Product range | Car, Home, Business, Life | Life, Disability, Investments, Retirement |
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
Liberty
Advice-led life and investments
Liberty, part of the Standard Bank Group, is a long-established South African life insurer and wealth manager.
Strengths
- Strong adviser network
- Comprehensive life products
- Standard Bank group
Trade-offs
- Adviser-led, slower onboarding
- Limited short-term cover
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