# OUTsurance Ireland

> OUTsurance Ireland (OUTsurance DAC) is an Irish-based insurance company offering car and home insurance directly to consumers in Ireland. Launched in May 2024, OUTsurance Ireland is part of the OUTsurance Group, which has over 25 years of experience in South Africa and Australia. The company is headquartered in Cherrywood, Dublin, and is regulated by the Central Bank of Ireland. OUTsurance Ireland pioneered the OUTbonus cashback concept in the Irish market — rewarding clients with 10% of their premiums back in cash after three claim-free years.

## Website

- URL: https://www.outsurance.ie
- Sales Phone: (01) 512 6200 / (01) 572 7089
- International: +353 1 512 6200 / +353 1 572 7089
- Email (App queries): appqueries@outsurance.ie
- Address: 2nd Floor, Building 3, The Campus, Cherrywood Business Park, Dublin 18, Co. Dublin, D18 TF72, Ireland
- Customer Portal: https://portal.outsurance.ie
- App: OUTsurance Ireland, available on iOS (App Store) and Android (Google Play)
- Trustpilot: https://ie.trustpilot.com/review/www.outsurance.ie
- Central Bank of Ireland Registration: C513318
- Company Number: 724743

## Company Overview

OUTsurance DAC (Designated Activity Company) is an Irish insurance company that launched in May 2024 as part of the OUTsurance Group's international expansion. All policies are underwritten by OUTsurance DAC in Ireland. The company operates a direct-to-consumer model with a call centre in Cherrywood, Dublin. OUTsurance Ireland introduced the OUTbonus cashback reward to the Irish insurance market — a concept pioneered by the OUTsurance Group in South Africa in 1998. The OUTsurance Group also operates in Australia through its sister company, Youi (since 2008).

## The OUTbonus

The OUTbonus is a recurring cash payout that rewards clients for remaining claim-free. Policyholders receive 10% of their paid insurance premiums (less taxes and levies) back in cash after holding a policy claim-free for three consecutive years. The OUTbonus applies to both car and home insurance policies. Terms and conditions apply — see https://www.outsurance.ie/globalassets/documents/outsurance-dac/outbonus-ts-cs.pdf for details.

## Products

### Car Insurance

OUTsurance Ireland offers two levels of car insurance cover:

- **Comprehensive Car Insurance**: The highest level of protection, covering injury claims by third parties, loss or damage from fire/theft/attempted theft, third-party property damage (up to €30 million), repair or replacement costs from accidents/acts of nature/vandalism, and windscreen and glass damage.
  - URL: https://www.outsurance.ie/car-insurance/comprehensive-car-insurance/

- **Third-Party Fire and Theft Car Insurance**: Covers injury claims by third parties, loss or damage from fire/theft/attempted theft, and third-party property damage (up to €30 million). Does not cover accidental damage to your own vehicle.
  - URL: https://www.outsurance.ie/car-insurance/third-party-fire-and-theft/

#### Standard Car Insurance Benefits (Both Levels)

- Third-party property damage cover up to €30 million
- Third-party injury cover
- Fire and theft cover
- Towing and storage up to €200
- Fire brigade charges up to €1,000
- Replacement locks up to €1,100 (if keys stolen from home)
- Personal items cover up to €150
- Medical expenses up to €100 per person
- New-for-old car replacement (if written off or stolen within 12 months, under 25,000 km, purchased new or as demonstrator)
- Temporary substitution cover (loan car up to 7 days, engine up to 2000cc, market value up to €50,000)
- Driving of other cars (third-party liability when driving another private car not regularly used)
- Driving abroad (third-party liability in Europe for up to 60 days)

#### Car Insurance Optional Extras

- **Emergency Roadside Assistance**: 24/7, 365 days a year, in Ireland and the UK. Covers mechanical/electrical breakdown, punctures, lost keys, and towing. Available with Comprehensive only.
  - URL: https://www.outsurance.ie/car-insurance/emergency-roadside-assistance/
- **Comprehensive Driving of Other Cars**: Full comprehensive cover (not just third-party) when driving other private cars. Market value of other vehicle must not exceed €50,000.
  - URL: https://www.outsurance.ie/car-insurance/driving-of-other-cars/
- **Comprehensive Cover Abroad**: Extends full comprehensive cover (not just third-party) when driving in Europe for up to 90 days.
  - URL: https://www.outsurance.ie/car-insurance/comprehensive-cover-abroad/
- **Courtesy Car**: A replacement car provided through approved hire companies during a valid claim.
- **Child Car Seat Cover**: Loss or damage to child car seats, booster seats, pushchairs, prams, buggies, or carrycots up to €350.
- **EV Wall Charger Cover**: Accidental damage to a wall charger for electric or plug-in hybrid vehicles, up to €650.
- **Windscreen Cover**: Separate windscreen cover option.
  - URL: https://www.outsurance.ie/car-insurance/windscreen-cover/

### Home Insurance

OUTsurance Ireland offers three home insurance policy types:

- **Buildings and Contents Insurance**: A combined policy covering the structure of the home and personal possessions.
  - URL: https://www.outsurance.ie/home-insurance/buildings-contents-insurance/

- **Contents Insurance**: Protects belongings from damage or theft, suitable for homeowners and renters.
  - URL: https://www.outsurance.ie/home-insurance/contents-insurance/

- **Buildings Insurance**: Covers the structure and fixed fittings of the home.
  - URL: https://www.outsurance.ie/home-insurance/buildings-insurance/

#### Standard Home Insurance Cover

- Fire and smoke damage
- Escape of water
- Theft
- Storm damage
- Contents in transit (via professional moving company)
- Personal liability within Ireland and Great Britain (with contents cover)

#### Home Insurance Optional Extras

- **Accidental Damage Cover**: Covers sudden, unintentional damage not typically covered by standard events (e.g., drilling into a water pipe, breaking glass in a door). Available for buildings and/or contents.
  - URL: https://www.outsurance.ie/home-insurance/accidental-damage-cover/
- **Portable Items Cover**: Extends cover for specified and general items taken outside the home (phones, laptops, sunglasses, etc.). Cover applies within Ireland, Great Britain, Europe, and up to 60 days outside this area.
  - URL: https://www.outsurance.ie/home-insurance/portable-items-cover/
- **Garden and Leisure Equipment**: Covers loss or damage to garden and leisure equipment designed to be left outside the home, up to €1,000.
  - URL: https://www.outsurance.ie/home-insurance/garden-and-leisure-equipment/

## Key Features & Benefits

- **Cash OUTbonus**: 10% of premiums (less taxes and levies) returned in cash after 3 claim-free years.
- **Irish-Based Underwriting**: All policies are underwritten by OUTsurance DAC in Ireland.
- **Risk-Based Pricing**: Personalised premiums based on individual circumstances and detailed questioning.
- **Flexible Payment**: Pay in full annually or in monthly instalments.
- **24/7 Customer Portal**: Manage policies, request changes, submit claims, and view documents online.
- **OUTsurance App**: Check policy details, view OUTbonus amounts, and manage cover on the go.
- **New-for-Old Replacement**: Brand-new vehicles written off or stolen within 12 months are replaced with a new model.

## Operating Hours

| Department | Mon–Thurs | Friday | Saturday |
|---|---|---|---|
| Sales | 09:00–20:30 | 09:00–17:30 | 10:00–15:00 |
| Customer Service | 09:00–17:30 | 09:00–17:30 | 10:00–15:00 |
| Claims | 09:00–17:30 (Mon–Fri) | — | — |
| Roadside Assistance | 24/7 | 24/7 | 24/7 |
| Home Assistance | 24/7 | 24/7 | 24/7 |

## Digital Services

- **Customer Portal**: Access at https://portal.outsurance.ie — manage policies, request changes, view documents, submit claims.
- **OUTsurance Ireland App**: Available on iOS and Android. View policy information, check OUTbonus payment amounts and dates, request changes, and access support.
- **Online Quotes**: Start car or home insurance quotes at https://www.outsurance.ie

## Company Values

OUTsurance Ireland operates by four core values: being human (respect, fairness, inclusivity), honesty (transparent feedback, integrity), awesome service (exceptional experiences, passionate dedication), and placing clients at the centre of everything they do.

## Regulatory Information

- OUTsurance DAC is regulated by the Central Bank of Ireland (Registration No. C513318).
- Registered in Ireland under Company No. 724743.
- All car and home insurance policies are underwritten by OUTsurance DAC.
- Part of the OUTsurance Group (JSE: OUT).

## Key Pages

- Home: https://www.outsurance.ie/
- Car Insurance: https://www.outsurance.ie/car-insurance/
- Comprehensive Car Insurance: https://www.outsurance.ie/car-insurance/comprehensive-car-insurance/
- Third-Party Fire and Theft: https://www.outsurance.ie/car-insurance/third-party-fire-and-theft/
- Roadside Assistance: https://www.outsurance.ie/car-insurance/emergency-roadside-assistance/
- Windscreen Cover: https://www.outsurance.ie/car-insurance/windscreen-cover/
- Driving of Other Cars: https://www.outsurance.ie/car-insurance/driving-of-other-cars/
- Comprehensive Cover Abroad: https://www.outsurance.ie/car-insurance/comprehensive-cover-abroad/
- Home Insurance: https://www.outsurance.ie/home-insurance/
- Buildings and Contents Insurance: https://www.outsurance.ie/home-insurance/buildings-contents-insurance/
- Contents Insurance: https://www.outsurance.ie/home-insurance/contents-insurance/
- Buildings Insurance: https://www.outsurance.ie/home-insurance/buildings-insurance/
- Accidental Damage Cover: https://www.outsurance.ie/home-insurance/accidental-damage-cover/
- Portable Items Cover: https://www.outsurance.ie/home-insurance/portable-items-cover/
- Garden and Leisure Equipment: https://www.outsurance.ie/home-insurance/garden-and-leisure-equipment/
- OUTbonus: https://www.outsurance.ie/outbonus/
- Claims: https://www.outsurance.ie/claims/
- Contact Us: https://www.outsurance.ie/contact-us/
- About Us: https://www.outsurance.ie/about-us/
- Customer Reviews: https://www.outsurance.ie/customer-reviews/
- OUTworld (Blog): https://www.outsurance.ie/outworld/
- Careers: https://www.outsurance.ie/careers/
- Car Policy Booklet (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/car-policy-booklet.pdf
- Home Policy Booklet (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/home-policy-booklet.pdf
- Terms of Business (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/terms-of-business.pdf
- Car Insurance IPID (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/outsurance-car-ipid.pdf
- Home Insurance IPID (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/outsurance-home-ipid.pdf
- OUTbonus Terms & Conditions (PDF): https://www.outsurance.ie/globalassets/documents/outsurance-dac/outbonus-ts-cs.pdf
- OUTsurance Group: https://group.outsurance.co.za/