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Provider comparison · Updated May 2026
OUTsurance vs Old Mutual Insure
How OUTsurance and Old Mutual Insure compare on price, claims, products and rewards across the South African market.
OUTsurance edges Old Mutual Insure on customer rating.
| Feature | OUTsurance | Old Mutual Insure |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.3 |
| Average premium | R720/pm | R750/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Elite Plus |
| Product range | Car, Home, Business, Life | Personal Lines, Commercial, Agriculture, Specialist |
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
Old Mutual Insure
Formerly Mutual & Federal
Old Mutual Insure (formerly Mutual & Federal) is one of South Africa's oldest short-term insurers, serving personal, commercial and agricultural markets.
Strengths
- 150+ year heritage
- Strong commercial book
- Wide broker network
Trade-offs
- Broker-led distribution
- Premium pricing tier
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