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Vehicle Insurance

Vehicle Insurance

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Our vehicle insurance covers any Namibian registered motorcar, motorcycle, LDV, caravan or trailer.  OUTsurance offers the following cover:

Comprehensive Cover which covers your vehicle for accidental damage, theft and hijack as well injury to other people or damage to their property.

Limited Cover which covers your vehicle for damage caused by fire, theft and hijack as well injury to other people or damage to their property. Accidental damage to your vehicle is not covered.

Liability to other people which covers you for liability to other people where an accident caused death or injury to them or damage to their property. 

Essential cover is a no frills option for older, lower value cars where you choose the combination (from a range of options) of cover that you need.  There are various options available which cover accidental damage, theft and hijack and liability to other people.  You also select the amount of cover you need.  Click here for more detail.

Optional cover:

  • Vehicle sound equipment and accessories must be specified and are covered for loss or damage.
  • Car Hire provides you with a hired car if your car is stolen, hijacked or damaged in an accident and is being repaired at the panelbeater.   
  • Vehicle Credit Shortfall covers the outstanding amount that you owe on your vehicle to a finance company following a claim where your vehicle is written off, stolen or hijacked and not recovered.  
  • OUT-in-Africa covers your vehicle (especially your 4x4) for private use in Kenya, Mozambique, Tanzania, Uganda and Zambia. It covers off-road use, repatriation to Namibia, emergency medical evacuation, personal accommodation and vehicle repairs.  
  • Business use in countries outside Namibia covers your vehicle for business use in Botswana, Lesotho, Malawi, Mozambique, South Africa, Swaziland and Zimbabwe.

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Benefits:

  • Your vehicle is covered for its retail value.  This value is determined by “The Auto Dealers Guide” published by Transunion and takes the age, mileage and condition of your vehicle and accessories into account. This will allow you, in the event of your vehicle being written off, stolen or hijacked and not recovered to purchase a new vehicle of a similar make and model. You can also select to cover the vehicle for its market value in order to reduce the premium. 
  • Our fixed excess means that you pay the selected excess and it remains fixed regardless of the nature or value of your claim. There are no "hidden shocks" of additional varying excesses of between 5% and 10% of the claim value.
  • You can select the excess option which suits your pocket (from as low as N$1000); the higher the excess, the lower the premium.  
  • We have an approved panel of repairers who are selected according to strict service and quality standards. Repairs are guaranteed for a full 12-months thus ensuring your peace of mind.  
  • Membership for HELP@OUT is free and offers 24-hour emergency roadside assistance service with towing following a breakdown or accident.  Only OUTsurance approved towing contractors are used to ensure that your car is towed to a place of safety or to one of our authorised service providers for safekeeping and repair.
Contact Details for OUTsurance
Sales:
0800 600 000
(061) 306 081
Client Care & Claims:
0800 700 000
(061) 306 082
HELP@OUT:
0800 800 000
(061) 306 083
Web Support:
0800 300 000
(061) 306 084
OUTsurance Answers your Questions
Do I need to sign documents?
There is no paperwork to fill in, since all calls are digitally voice recorded, hence you can take out cover, make amendments to your cover and lodge your claim telephonically.  The recording ensures the safety of the information you provide and offers protection to both parties.
Can I pay my premium via the Internet?
NO. This is so that we can ensure that your premiums are allocated on time and to avoid a delay in assisting you on any incidents.
My premium has been returned, can I pay it into your account?
You can leave the money in your account and we will re-submit for you.
I cannot pay this month, but will pay double next month - will I still have cover?
Our billing is in advance.  We can resubmit for you on a day within that month, but not double debit you.  If your premium is not paid for that month, you do not enjoy cover.
Why do I need to install extra security devices in my vehicle?
Although vehicle theft is not a common occurrence in Namibia, such incidents are on the increase.  We take a preventative approach to the problem by requesting the installation of quality anti-theft devices in order to minimize or prevent vehicle thefts and hijacks.  The initial few hundred Namibian dollars outlay is worth the investment ... ask anyone who has had a vehicle stolen.
What is an excess?
An excess is a specified amount of money that you are liable to pay in the event of any claim being settled. For example, if your property is damaged by a storm and the damage amounts to N$10 000, you will pay the amount as stated on your schedule to the contractor once it is repaired.  OUTsurance then pays the difference to the contractor.
What is a fixed excess?
A fixed excess means that no matter what the value or nature of the claim, you only pay the agreed excess amount.  OUTsurance offers you a fixed vehicle excess from as low as N$1 000 which means that whether your car is damaged in an accident, written-off, stolen or hijacked you will only pay the N$1 000 excess.  There are no hidden "shocks" when you find that you are liable for any higher excesses.  Most insurers charge you a percentage of the claim, so if your stolen vehicle's replacement value is R100 000, and the excess is 7.5% of the value, then you will be liable for the first N$7 500.
Will my premium increase after a claim?
No, it will not since your premium is guaranteed for a year.  Your cover is reviewed annually and the premium is adjusted on your portfolio as a whole taking into account the claims experience.
Why do you ask so many questions on claims?
We ask the same questions you would traditionally fill in on a paper-based claim form with another company.  We also obtain quotations for items being claimed for on your behalf and therefore need correct information in order to cost the claim on the correct replacement make and model.  All the information obtained assists us in validating the claim and thereby speeding up the process.
Click here to view all FAQ's.
 

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