General Information

A culture of 'awesomeness'

Our staff are passionate about service - we’re real go-getters who will go the extra mile to get the job done.

We have a vibrant, employee-centered work environment and constantly challenge ourselves to become better at what we do. We strongly believe in 'giving back to the community' and support various projects throughout South Africa. This includes the Pointsmen project where a team of men and women dedicate their time and effort to assisting motorists at busy intersections throughout Johannesburg, as well as the Staff Helping SA OUT project where staff members dedicated themselves to making a difference in the lives of less fortunate South Africans.

Social Responsibility

Our Helping Hands Volunteers Programme was established in 2003 with the aim of making it as easy as possible for every staff member to contribute to those in need.

Our Helping Hands Volunteers were involved in projects supporting:

• Rally to Read
• CANSA Shavathon
• The Centurion SPCA
• Hands Can Winter Drive
• Animal Ambulance
• The Niall Mellon House Build
• Batlobothle Day Care
• Pop Up

In the spirit of making a difference in the lives of so many South Africans, hundreds of OUTsurance staff members committed themselves to get involved in 49 different projects to help OUT the less fortunate. Visit the Staff Helping SA OUT project for more information.

Broad Based Black Economic Empowerment (BBBEE)

OUTsurance is committed to Broad Based Black Economic Empowerment. As a company we empower black people through, amongst others:

• Black ownership, management and employment equity.
• Skills development of black employees.
• Procurement of raw materials, products and services from companies with a good BBBEE rating.
• Assisting the black community through socio-economic projects.

Click on the relevant links below to download our respective BBBEE Certificates:

• BBBEE Certificate for 2008
• BBBEE Certificate for 2010
• BBBEE Certificate for 2011
• BBBEE Certificate for 2012

Compliants Resolution Policy

In terms of the Financial Advisory and Intermediary Services (FAIS) Act as well as the South African Insurance Association (SAIA) Code of Conduct, every insurance company must have a Complaints Policy in writing.

This will help clients understand their rights and reponsibilities should they wish to complain.

Please click here to download the OUTsurance Complaints Resolution Policy.

An Insurance Alternative of Note

Through our sophisticated call centre, clients are able to talk directly to us without needing to go through a middleman. This means no insurance broker fees or commissions are charged.

Clients receive a cash OUTbonus - the first reward system in South Africa to return cash to clients who remain claim-free. To date, we've already paid out more than R1 billion in cash!

With our highly sophisticated underwriting systems, premiums are calculated according to a client's unique risk profile, meaning low-risk clients would not subsidise high-risk clients. So, if you're a low-risk client, you can get insured by OUTsurance for much less than what you're currently paying somewhere else.

Our insurance products are affordable, straightforward and there are no hidden surprises.

Our short-term insurance clients pay a fixed excess amount, irrespective of the value of their claim and their premiums are fixed for a full 12 months.

Compliance and Fraud Reporting

Compliance

OUTsurance is an Authorised Financial Services Provider in terms of the Financial Advisory and Intermediary Services (FAIS) Act.

Click here to view our FAIS licence FSP (896).

Should you wish to provide feedback on any matters relating to our compliance or non-compliance with FAIS or the Policy Holder Protection Rules, contact OUTsurance on:

If any FAIS-related complaint is not resolved, you may then refer the matter to the FAIS Ombudsman:

Fraud Reporting

As part of our crime prevention initiative and in line with Corporate Governance, a Fraud@OUT hotline has been set up. The aim is to promote zero tolerance towards unethical behaviour.

This serves to inform you of what may be reported:

• Fraud or potential fraudulent behaviour or activity and/or
• Any dishonesty pertaining to any facility or claim
• Any information you might think is relevant to our cause

If you have reason to believe or witnessed any of the above and related activities by staff, clients or service providers is, contact the Fraud@OUT hotline on 0860 102 117. Alternatively, please send an e-mail to fraud@out.co.za.

Please note that your call and all information will be treated with utmost confidentiality and you can choose to remain anonymous - this fraud line can only be effective with your full co-operation.

Thank you in advance for your commitment towards keeping OUTsurance a proud Financial Services Provider with Honesty and Integrity.

Access to Information

Promotion of Access to Information Act (Act 2 of 2000)

Click here to view our Section 51 Manual.

Privacy and Security Policy

OUTsurance recognises the importance of protecting your personal information and as such subscribes to the principles, outlined in Section 51 of the Electronic Communications and Transactions Act 2002 that governs your right to having your personal information kept private.

OUTsurance defines personal information as all information specific to yourself that you provide to us over the Internet or any other channel. This includes personal data that you provide us to obtain an online quotation, questions you ask via e-mail or your personal facility data that you may want to view and or amend.

OUTsurance has the highest regard for the privacy of its customers and will use personal information only as appropriate in the normal course of business to provide the products and services you have requested. OUTsurance will also use this information to positively identify you when you contact us online.

OUTsurance does not and will not sell or provide personal information to third parties for independent use. We may, however, share personal information with our business partners if that information is required to provide the product or service you have requested. However, our business partners will adhere to using any information only as directed by OUTsurance.

We value the information that you choose to provide us and will therefore take reasonable steps to protect your personal information from loss, misuse or unauthorised alteration. The information we maintain concerning our customers is stored in databases that have built-in safeguards to ensure the privacy and confidentiality of that information.

OUTsurance uses state of the art technology and encryption to prevent any unauthorised access to your personal information when registering and transacting on our Website. As your business partner, we keep appraised with the latest global developments in security technology to ensure that your Web transactions with us are adequately secured and protected at all times.

When you use the online services or facilities provided by us, access to your personal information or to transact online would require an access number, user name, and password to validate your identification and enable access to our secured environment. You must always keep this information secret and ensure that you do not disclose it to anyone. Therefore to ensure continuance in preventing unauthorised access to your information we recommend that you change your password on a monthly basis or, immediately should your password be compromised in any way.