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Excess casualty insurance is designed to cover events that happened when the policy was in force but that may not be discovered until years later. That means a customer's coverage is only as good as the ability of the insurer to stay in business and be around when a claim is finally made.
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 R1 000 which means that whether your car is damaged in an accident, written-off, stolen or hijacked you will only pay the R1 000 excess.