OUTsurance offers South Africans a unique approach to motor insurance that combines comprehensive coverage options with notable perks like cash bonuses and emergency assistance. Whether you’re a first-time car owner or looking to switch providers, this guide breaks down what makes OUTsurance motor insurance a top choice.
What Does OUTsurance Motor Insurance Cover?
OUTsurance’s motor insurance policy is designed to protect drivers against a variety of risks, from accidents to mechanical breakdowns. Here’s an overview of the coverage options available:
- Comprehensive Coverage: Protects against damage, theft, and third-party claims. It covers costs to repair or replace your vehicle, including coverage for accidental or intentional damage caused by someone else.
- Third-Party Only: Provides coverage when you’re legally responsible for damages to someone else’s property.
- Motor Warranty Insurance: Covers repair costs for unexpected mechanical or electrical failures. This includes parts that stop functioning due to permanent faults that require repair or replacement before they can work properly.
- Help@OUT Emergency Road Assistance: This add-on provides 24/7 assistance for emergencies, whether you need roadside support, panic assistance, or help at your home or office.
The OUTbonus: Get Cash Back for Being Claim-Free
OUTsurance’s OUTbonus is a standout feature. When you remain claim-free for three consecutive years, OUTsurance rewards you with 10% of your paid premiums in cash. This loyalty reward has resulted in more than R6 billion in OUTbonuses distributed to over 800,000 clients—a compelling reason to drive safely and avoid minor claims.
Why Choose OUTsurance Motor Insurance?
OUTsurance has built a reputation for client-centered benefits that make their motor insurance plans an appealing option:
- Customizable Plans: Clients can choose a plan that fits their lifestyle and driving habits, allowing them to balance coverage and premium costs.
- OUTbonus Rewards: Drivers are rewarded for driving responsibly with cash rewards.
- Help@OUT Assistance: This 24/7 service means drivers can have peace of mind on the road and at home, knowing that emergency assistance is a call away.
Terms to Understand in Your Motor Insurance Policy
Insurance terms can be tricky, but understanding these basics can help you navigate your policy more confidently:
- Excess: This is the amount you pay upfront for each claim. The amount is specified in your policy schedule and is paid directly to the service provider handling your claim.
- Valid Claim: A claim becomes “valid” when the incident falls within your policy’s coverage. If you’re in an accident, for example, and it’s covered by your policy, your claim is considered valid.
- Third-Party: Refers to another individual or entity involved in an incident for which you are legally responsible, such as a car you accidentally damage.
- Insured Value: The maximum amount OUTsurance will pay for a claim, minus any excess, betterment, or depreciation. This amount may also go toward paying off any financed amount on the vehicle.
- Write-Off: If the cost to repair the vehicle exceeds its value, the car may be “written off,” meaning OUTsurance will pay the car’s insured value rather than covering repairs.
How to Get an OUTsurance Motor Insurance Quote
OUTsurance provides easy access to quotes through both telephonic and online channels. For a seamless experience, you can start an online quote by submitting essential details about your vehicle and preferred insurance type. A consultant may follow up to finalize the process, ensuring you get the best coverage for your needs.
Overview of Public Universities in South Africa
Here's an overview of some public universities in South Africa, including general admissions requirements and estimated application periods. Keep in mind, specific program requirements and dates can vary significantly, so it's important to check each university's official website for the most current information.
University of Pretoria
- Admissions Requirements: National Senior Certificate with minimum scores in specific subjects related to the chosen program; for international students, equivalent qualifications.
- Application Period: Usually opens in March and closes at the end of July for most programs.
University of Cape Town
- Admissions Requirements: National Senior Certificate with pass levels required for degree study; subject-specific requirements depending on the program.
- Application Period: Application opens in April and closes at the end of July.
Stellenbosch University
- Admissions Requirements: National Senior Certificate with required marks; some programs have additional testing.
- Application Period: Opens in March and typically closes at the end of June.
University of the Witwatersrand
- Admissions Requirements: Matriculation certificate with university exemption; required scores vary by faculty.
- Application Period: Begins in March and ends on the 30th of September.
University of Johannesburg
- Admissions Requirements: Matric exemption with a minimum APS score; specific subject requirements based on the faculty.
- Application Period: Opens in April and generally closes by the 30th of September.
University of the Free State
- Admissions Requirements: National Senior Certificate with specific marks for the program applied to; additional requirements for certain courses.
- Application Period: Typically opens in April and closes at the end of August.
University of Venda
- Admissions Requirements: Completion of the National Senior Certificate with an endorsement for diploma or degree studies; specific APS scores needed.
- Application Period: Usually from May to September.
University of Fort Hare
- Admissions Requirements: National Senior Certificate with university exemption; certain programs may have specific requirements.
- Application Period: Opens around May and closes at the end of September.
University of the Western Cape
- Admissions Requirements: National Senior Certificate with specific performance levels; additional requirements for certain programs.
- Application Period: Generally from May to September.
North-West University
- Admissions Requirements: National Senior Certificate with university exemption; program-specific requirements may apply.
- Application Period: Opens in March and usually closes by the end of August.
Rhodes University
- Admissions Requirements: National Senior Certificate or equivalent; minimum academic performance in certain subjects.
- Application Period: Applications open in April and close at the end of September.
Nelson Mandela University
- Admissions Requirements: National Senior Certificate with required scores for chosen programs; portfolio or additional tests for some faculties.
- Application Period: Opens in April, with a deadline at the end of August for most programs.
Cape Peninsula University of Technology
- Admissions Requirements: National Senior Certificate with specific scores; additional requirements for certain courses.
- Application Period: Opens in May and typically closes by the end of September.
University of Limpopo
- Admissions Requirements: Senior Certificate with endorsement for diploma or degree courses; specific APS scores for different programs.
- Application Period: From April to September.
University of Zululand
- Admissions Requirements: National Senior Certificate with an endorsement for bachelor’s degree studies; specific score requirements for various programs.
- Application Period: Usually between April and November.
Central University of Technology
- Admissions Requirements: National Senior Certificate with specific scores for the chosen field of study; additional criteria for certain programs.
- Application Period: Application period generally starts in May and ends in October.
Vaal University of Technology
- Admissions Requirements: National Senior Certificate with a pass that qualifies for admission to bachelor’s degree, diploma, or higher certificate programs.
- Application Period: Typically from May to September.
Walter Sisulu University
- Admissions Requirements: National Senior Certificate with required scores for chosen programs; additional criteria for certain faculties.
- Application Period: From April to September.
This list provides a starting point for understanding the admissions landscape across South Africa's diverse higher education institutions. Given the variability in programs and requirements, it's crucial to consult each university's website for the most accurate and up-to-date information.