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Provider comparison · Updated May 2026
OUTsurance vs Santam
How OUTsurance and Santam compare on price, claims, products and rewards across the South African market.
OUTsurance edges Santam on customer rating.
| Feature | OUTsurance | Santam |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.6 |
| Average premium | R720/pm | R790/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Premium |
| Flagship product | OUTbonus | Comprehensive 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
Santam
South Africa's largest short-term insurer
Santam is South Africa's largest short-term insurer with a 100+ year history, serving personal, commercial and agricultural markets.
Strengths
- Largest local insurer
- Extensive broker network
- Strong commercial offering
Trade-offs
- Slower digital experience
- Higher premiums on entry tier
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