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Provider comparison · Updated May 2026
OUTsurance vs Standard Bank Insurance
How OUTsurance and Standard Bank Insurance compare on price, claims, products and rewards across the South African market.
OUTsurance edges Standard Bank Insurance on customer rating.
| Feature | OUTsurance | Standard Bank Insurance |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.2 |
| Average premium | R720/pm | R690/pm |
| Claims turnaround | 24h | 72h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Comprehensive Car |
| Product range | Car, Home, Business, Life | Car, Home, Life, Funeral |
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
Standard Bank Insurance
Banking-bundled insurance
Standard Bank Insurance Brokers offers personal and commercial cover bundled with the Standard Bank Group's banking products.
Strengths
- UCount rewards
- Loyalty discounts for bank customers
- Wide branch footprint
Trade-offs
- Best pricing requires bank account
- Limited innovation vs direct insurers
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