| 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. |
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| 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. |
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| 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. |
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| 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. |
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| 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. |
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| Click here to view all FAQ's. |