Cancellation Outsurance: Easy Method

What is Outsurance

Overview

OUTsurance is a South African insurer best known for car insurance and cashback (OUTbonus) rewards for claim-free years.

The company offers digital self-service via an app and online client portal, plus contact-centre support for policy queries and changes.

Key services

Main services include comprehensive car cover, life and pet options, and add-on assistance products such as panic response.

OUTsurance promotes digital quoting, app-based account management and a cashback programme called OUTbonus.

How to cancel Outsurance

Online via app or client portal

• Log into the OUTsurance client portal or the OUTsurance app and submit a cancellation request.
• Follow on-screen prompts and keep a screenshot or confirmation reference for your records.
• Refer to the OUTsurance app Terms & Conditions for process details: OUTsurance App T&Cs.

Email or phone cancellation

• Send a cancellation instruction by email (e.g., [email protected]) or call the client care line: 08600 70 000.
• Provide your policy number, full name, ID number and requested cancellation date in the message or during the call.
• Keep an email confirmation or written note of the call reference and the name of the agent.

App distribution note

• The App Store and Google Play only distribute the OUTsurance app; you cannot cancel a policy via those stores.
• Policy cancellation must be done inside the client portal/app or by contacting OUTsurance directly: OUTsurance App T&Cs.

What happens when you cancel

Policy access and renewal

Once a cancellation request is accepted, your cover ends on the agreed cancellation date and automatic renewals stop.

Check the client portal or request confirmation to verify the exact cancellation effective date.

Data and communication

OUTsurance will retain records as required by law and may contact you to confirm details or follow up on outstanding items.

Any accumulated OUTbonus is forfeited on cancellation; see the OUTbonus terms for details: OUTbonus info.

Will I get a refund?

Standard refund policy

Refunds on cancellation are handled on a pro‑rata basis: premiums collected for unused cover are usually returned proportionally.

The OUTsurance app Terms & Conditions note pro‑rata adjustments and how collected premiums are refunded: T&Cs.

Exceptions and deductions

• There is no explicit public 14‑day cooling‑off clause shown on OUTsurance public pages; FSCA rules may apply in some cases (see consumer rights below).
• OUTbonus cashback earned is forfeited on cancellation and is not refunded with premiums: OUTbonus details.
• Any unused referral discounts may be returned to a discount balance for possible reinstatement within 30 days as per T&Cs.

Outsurance plans and pricing

Pricing overview

Exact premiums depend on risk profile, vehicle value, driver details and cover level.

The table below lists published starting ranges and example figures; treat them as indicative only.

How premiums are set

Premiums vary by vehicle, driver age, location, claims history and selected excesses and add‑ons.

Contact OUTsurance for an exact quote or use the digital quote tools referenced in the app T&Cs: OUTsurance App T&Cs.

Your consumer rights in South Africa

Cooling‑off and regulatory context

South African consumers have rights under FSCA regulations, including certain cooling‑off protections in financial services, but OUTsurance does not publicly state an explicit 14‑day cooling‑off on its T&Cs.

If you believe a statutory right applies, raise the point with OUTsurance and keep written evidence of your request.

Ombudsman and complaint handling

OUTsurance reports a relatively low referral rate to the Ombudsman (improved metrics in 2024 - mid‑2025), but complaints do occur.

If you cannot resolve a cancellation or refund dispute, you may escalate to the appropriate financial ombudsman or regulator; keep all communication and policy documents.

Customer experiences

Positive feedback

Public sources highlight OUTsurance's high service ratings on some platforms and praise for app usability, digital quoting and OUTbonus cashback.

See an overview of company performance and awards: OUTsurance company news.

Negative feedback

Some review platforms report recurring customer complaints about cancellations, slow claims handling and communication problems.

Independent review summaries note difficulties with emails being ignored, long cancellation processes and concerns over premium increases: Trustpilot reviews.

Documentation checklist

Essential documents

• Policy number and full name as shown on the policy.
• South African ID number or company registration number.
• Bank account details for any pro‑rata refund (bank name, account number, branch code).

Helpful supporting items

• Written cancellation instruction or signed letter (if emailing, include clear instruction and date).
• Proof of new cover if cancelling because you switched insurers.
• Screenshots of portal/email confirmations and any call reference numbers.

Common mistakes

Delays and incomplete requests

Submitting a vague cancellation message or omitting your policy number delays processing.

Always include the policy number, ID and requested effective date to avoid extra calls or emails.

Assuming OUTbonus or discounts follow

Many customers expect OUTbonus or referral discounts to be refunded - OUTbonus is forfeited on cancellation and referral discounts follow specific reinstatement rules.

Check the OUTbonus terms before cancelling: OUTbonus terms.

Comparative recap

Quick summary table

Recommendation

If you plan to cancel, prepare documentation, request written confirmation and check the effect on OUTbonus and any discounts.

If problems arise, escalate using OUTsurance complaint channels and keep records for a possible Ombudsman referral.

After cancelling

Immediate checks

• Confirm the effective cancellation date in writing and retain the confirmation reference.
• Verify any pro‑rata refund timeline and the bank account to which it will be paid.

Next steps and re‑insurance

If you are switching insurers, arrange new cover to avoid gaps and provide proof of cover where required.

Useful links: OUTsurance app T&Cs and OUTbonus information: App T&Cs, OUTbonus.

Address

Postal / correspondence address

1241 Embankment Road, Zwartkop Ext 7, Centurion, Gauteng, 0157, South Africa.

Use this address if you need to send signed cancellation letters or supporting documents by post.

Contact details

Client care phone: 08600 70 000 (use this for cancellations or clarification).

General email: [email protected]. Keep copies of sent emails and any automated replies.