Awesome business car insurance benefits – this is what you’ll get OUT
- At OUTsurance, our business car insurance premiums are based specifically on the risk profile of your business. If you have a low risk profile, we'll reward you with a low premium.
- Your excess will remain fixed regardless of the value of your claim so you always know what an incident could cost you.
- Your company's car insurance premium stays fixed for 12 months.
- Choose to insure your company cars and commercial vehicles at retail value rather than market value.
- Our claims team will process your claim faster than what you'd ever expect - we're dedicated to get you back on the road as quickly as we can.
- You have access to Help@OUT emergency roadside assistance - 24 hours a day, 7 days a week. Free roadside assistance is automatically included for vehicles with a mass of less than 3 500kg.
- Receive a cash OUTbonus after three consecutive years of not claiming. We've paid over R1 billion in OUTbonuses to date.
- We'll pay for reasonable storage costs or towing to the nearest repairer.
- OUTsurance will pay for the costs incurred for the removal of the wreckage as well as costs for replacing locks, keys, remote controls or the reprogramming of vehicle security systems.
- Commercial vehicles will be repaired by our approved panel of repairers. All repairs are guaranteed for 12 months.
- You'll automatically have business car insurance cover when you're using your business vehicle in South Africa. You can also apply for cover when going on business trips to countries outside South Africa (Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe). You can even get additional cover for business trips to other African countries to include Kenya, Tanzania, Uganda and Zambia as well as the DRC (all areas South of Lubumbashi).
Documents | Frequently Asked Questions
Choose the perfect business car insurance package:
- Comprehensive Car Insurance for company cars
Our comprehensive business car insurance package provides you with the best possible insurance for your business vehicles. We've gone out of our way to cover commercial vehicles for damage caused by an accident, intentional damage (which includes theft and hijacking), fire as well as acts of nature.
- Limited Car Insurance for company cars
This insurance option is a cheaper option that provides cover in case of theft, hijacking or fire. Your business will also be covered for liability to other parties.
- Liability to other parties
If you can be held legally liable for causing damage to the property of other parties as a result of a car accident, Business OUTsurance will cover up to R5 million in damages.
Optional products to add to your Business Car Insurance
Why not add one or more of our great optional products to your business car insurance cover?
Provides your business with a rental vehicle for up to 30 days if any of your vehicles are stolen, hijacked or repaired after an accident.
This product will cover vehicle accessories such as canopies, tow bars or body alterations that were not factory fitted.
If any of your commercial vehicles have non-standard, factory-fitted sound equipment installed, this product will make sure you are covered in case of any damage or loss of speakers, sub-woofers, amplifiers or any other sound equipment that are not already included in the value of your vehicle.
OUT-in-Africa provides comprehensive cover if you travel to countries outside of South Africa such as Angola, Botswana, Kenya, Lesotho, Malawi, Mozambique, Namibia, Swaziland, Tanzania, Uganda, Zambia and Zimbabwe for private purposes. Click here for more information on this product.
Depending on the type of business you own, this optional cover might just be the perfect solution for cover when travelling on business to Botswana, Lesotho, Malawi, Mozambique, Namibia, Swaziland and Zimbabwe. You can also apply for additional cover for business trips to other African countries to include Kenya, Tanzania, Uganda and Zambia as well as the DRC (all areas South of Lubumbashi).
Covers the difference between the value of the vehicle and the outstanding amount that your business owes on any of your vehicles. The outstanding amount will be paid to the finance company following a claim where your vehicle is written off, stolen or hijacked and not recovered.
* Personal car insurance is also available for you personally or can be added to your business facility.