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Provider comparison · Updated May 2026
OUTsurance vs Western National
How OUTsurance and Western National compare on price, claims, products and rewards across the South African market.
OUTsurance edges Western National on customer rating.
| Feature | OUTsurance | Western National |
|---|---|---|
| Customer rating | ★ 4.8 | ★ 4.3 |
| Average premium | R720/pm | R780/pm |
| Claims turnaround | 24h | 60h |
| Pricing tier | Mid-range | Mid-range |
| Flagship product | OUTbonus | Agri Combined |
| Product range | Car, Home, Business, Life | Commercial, Agriculture, Personal Lines, Marine |
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
Western National
Commercial & agri specialist
Western National is a PSG-group short-term insurer specialising in commercial and agricultural cover for the South African market.
Strengths
- Strong agri-insurance book
- Commercial expertise
- PSG-group backing
Trade-offs
- Limited personal lines
- Broker-only distribution
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