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Provider comparison · Updated May 2026
OUTsurance vs Naked Insurance
How OUTsurance and Naked Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Naked Insurance on customer rating.
| Feature | OUTsurance | Naked Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.6 |
| Average premium | R720/pm | R570/pm |
| Claims turnaround | 24h | 24h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Naked Car |
| Product range | Car, Home, Business, Life | Car, Home, Contents, Single Items |
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
Naked Insurance
AI-powered car & home cover
Naked is a digital-first South African insurer using AI and a fixed-fee model — any underwriting surplus goes to charity via Naked's Givva programme.
Strengths
- Fully app-based onboarding
- CoverPause feature
- Transparent fixed-fee model
Trade-offs
- Newer brand
- Personal lines only
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