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Provider comparison · Updated May 2026
OUTsurance vs Lombard Insurance
How OUTsurance and Lombard Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Lombard Insurance on customer rating.
| Feature | OUTsurance | Lombard Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.2 |
| Average premium | R720/pm | R850/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Bond & Guarantees |
| Product range | Car, Home, Business, Life | Surety Bonds, Engineering, Liability, Commercial |
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
Lombard Insurance
Specialist surety & niche cover
Lombard Insurance is a South African specialist insurer best known for surety bonds, guarantees and niche commercial lines.
Strengths
- Leading surety bond provider
- Specialist underwriting
- Strong commercial relationships
Trade-offs
- Mostly commercial & surety focus
- Limited personal cover
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