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Provider comparison · Updated May 2026
OUTsurance vs Pineapple
How OUTsurance and Pineapple compare on price, claims, products and rewards across the South African market.
OUTsurance edges Pineapple on customer rating.
| Feature | OUTsurance | Pineapple |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.5 |
| Average premium | R720/pm | R540/pm |
| Claims turnaround | 24h | 24h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Peer-to-peer Car |
| Product range | Car, Home, Business, Life | Car, 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
Pineapple
Peer-to-peer car insurance
Pineapple is a South African insurtech offering peer-to-peer short-term cover, where members get back unused premium at year end.
Strengths
- P2P model returns unused premium
- Modern app
- Photo-based onboarding
Trade-offs
- Mostly car & contents
- Limited cover for high-value risks
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