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Provider comparison · Updated May 2026
OUTsurance vs Metropolitan
How OUTsurance and Metropolitan compare on price, claims, products and rewards across the South African market.
OUTsurance edges Metropolitan on customer rating.
| Feature | OUTsurance | Metropolitan |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.2 |
| Average premium | R720/pm | R135/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Cover2Go |
| Product range | Car, Home, Business, Life | Life, Funeral, Health, Investments |
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
Metropolitan
Insurance for everyday South Africa
Metropolitan, part of the Momentum Metropolitan group, focuses on accessible life and funeral cover for emerging-market South African families.
Strengths
- Affordable entry-level life cover
- Strong township footprint
- Easy USSD access
Trade-offs
- Lower cover limits
- Basic digital tooling
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