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Provider comparison · Updated May 2026
OUTsurance vs Momentum Insure
How OUTsurance and Momentum Insure compare on price, claims, products and rewards across the South African market.
OUTsurance edges Momentum Insure on customer rating.
| Feature | OUTsurance | Momentum Insure |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.3 |
| Average premium | R720/pm | R670/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Safety Bonus |
| Product range | Car, Home, Business, Life | Car, Home, All-risks, Business |
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
Momentum Insure
Safer driving, lower premiums
Momentum Insure (formerly Alexander Forbes Insurance) is the short-term arm of Momentum Metropolitan, focused on telematics-driven personal lines.
Strengths
- Safety Bonus cash-back
- Multiply rewards integration
- Telematics-based pricing
Trade-offs
- Smaller short-term footprint
- Best value tied to Multiply
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