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Provider comparison · Updated May 2026
OUTsurance vs MUA Insurance
How OUTsurance and MUA Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges MUA Insurance on customer rating.
| Feature | OUTsurance | MUA Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.5 |
| Average premium | R720/pm | R1 250/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | High-Net-Worth Car |
| Product range | Car, Home, Business, Life | High-value Car, Fine Art, Yacht, Home |
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
MUA Insurance
Specialist high-net-worth cover
MUA is a specialist short-term insurer serving high-net-worth individuals in South Africa with premium motor, home and valuables cover.
Strengths
- Specialist HNW expertise
- Concierge claims service
- Wide international cover
Trade-offs
- High premium entry point
- Targeted at HNW clients only
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