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Provider comparison · Updated May 2026
OUTsurance vs Stangen
How OUTsurance and Stangen compare on price, claims, products and rewards across the South African market.
OUTsurance edges Stangen on customer rating.
| Feature | OUTsurance | Stangen |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.2 |
| Average premium | R720/pm | R140/pm |
| Claims turnaround | 24h | 48h |
| Pricing tier | Mid-range | Budget |
| Flagship product | OUTbonus | Direct Life Cover |
| Product range | Car, Home, Business, Life | Life, Funeral, Disability |
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
Stangen
Direct life insurance, no medicals
Stangen is a Liberty-group direct life insurer offering simple, no-medical life cover via online and telesales channels.
Strengths
- No medicals up to R3m
- Simple online application
- Fast underwriting
Trade-offs
- Life-only product set
- Limited rider flexibility
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