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Provider comparison · Updated May 2026
OUTsurance vs Sanlam
How OUTsurance and Sanlam compare on price, claims, products and rewards across the South African market.
OUTsurance edges Sanlam on customer rating.
| Feature | OUTsurance | Sanlam |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.5 |
| Average premium | R720/pm | R740/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Cumulus Echo |
| Product range | Car, Home, Business, Life | Life, Investments, Retirement, Health |
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
Sanlam
Wealthsmiths
Sanlam is a JSE-listed diversified financial services group and one of South Africa's largest life insurers, founded in 1918.
Strengths
- Top-3 SA life insurer
- Reality rewards programme
- Strong adviser network
Trade-offs
- Adviser-led model
- Short-term via MiWay subsidiary
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