I got burnt buy the daildirects and outsurance's go through a reputible broker they have a few group schemes from ppl like Santam and Hollard which most times work out even cheaper and have decent excess rates. Shop around you'll be suprised. I always have problems claiming from daildirect but now with santam the broker handles the claim and its sorted quickly.
I agree with Gunny. Don't go with these 'budget' insurance companies. They'll screw you over every chance they get. As soon as I get my bucks back bonus from Dial Direct next year, I'm out... 10k is worth waiting for