moving to OUTsurance - pro's & cons

F1 Fan said:
This is very simple. You will not have a problem with Outsurance until you actually have to claim for the car. Once you claim, they will start investigating you, visiting your neighbours etc to look for a reason not to pay.
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+1

OUTsurance investigators always look for reasons to dispute a claim in my experience.
 
dlk001 said:
+1

OUTsurance investigators always look for reasons to dispute a claim in my experience.
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That's with most insurance companies. If you have nothing to hide, you have nothing to fear. I've had family claim from outsurance a couple of times with no issues.

I do also know of a ex-friend that got drunk as a skunk, had no license, ended driving into a pole and claimed from outsurance with the story that his dad drove the car. They found some security footage showing him getting out of the car after the accident. Boom, no payout.

So do you blame them for investigating? I'm sure there's tons of fraudulent claims out there.
 
Brenden_E said:
That's with most insurance companies. If you have nothing to hide, you have nothing to fear. I've had family claim from outsurance a couple of times with no issues.

I do also know of a ex-friend that got drunk as a skunk, had no license, ended driving into a pole and claimed from outsurance with the story that his dad drove the car. They found some security footage showing him getting out of the car after the accident. Boom, no payout.

So do you blame them for investigating? I'm sure there's tons of fraudulent claims out there.
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No, I don't blame them for investigating and I know insurance fraud happens. What I'm saying is I had two experiences with OUTSurance where investigator looked for reasons to dispute a claim. It might just be my bad experience but enough to never consider them for my personal insurance.
 
dlk001 said:
No, I don't blame them for investigating and I know insurance fraud happens. What I'm saying is I had two experiences with OUTSurance where investigator looked for reasons to dispute a claim. It might just be my bad experience but enough to never consider them for my personal insurance.
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Did they pay out or not?
 
Brenden_E said:
That's with most insurance companies. If you have nothing to hide, you have nothing to fear. I've had family claim from outsurance a couple of times with no issues.

I do also know of a ex-friend that got drunk as a skunk, had no license, ended driving into a pole and claimed from outsurance with the story that his dad drove the car. They found some security footage showing him getting out of the car after the accident. Boom, no payout.

So do you blame them for investigating? I'm sure there's tons of fraudulent claims out there.
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No, I don't blame them for "investigating". Looking for a reason not to pay out is a whole other story. Not the same thing.
 
ToxicBunny said:
Cars are written off if the cost to repair breaches a certain threshold (I'm assuming 75% of the value). Note that things like airbags etc are really expensive to replace, so they generally push the car into the territory of being "written off". So yes, the chances are that you will see your car on the road again after some panel shop buys it for cheap from Outsurance, and then fixes it up for cost and sells to make a profit. The car will not be classed as Code 3 either I don't think...
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It is most insurance companies policies that when vehicle is a write off they require de-registration before settlement. Most insurers also have a contract with salvage dealers and are fixed into a price of between 22.5% -30% no matter the condition. What happens after that in Africa anything is possible.
 
Brenden_E said:
Did they pay out or not?
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They "eventually" paid out. I don't understand why it always requires wasting my resources and money to get matters to be settled.

In one case, their client admitted to being at fault after bumping my brand new car while it was parked in Melville. Their investigator tried to argue that the streets are narrow and accidents can easily happen. Luckily I had a note / police affidavit from their client, admitting to have reversed into my car.

Then their investigator/assessor claimed that 40% of my tire thread was used and they were only going to settle 60% of brand new tire. This is for a brand new car that was a day old. They eventually agreed to pay in full. What a bunch of crooks. :D
 
dlk001 said:
They "eventually" paid out. I don't understand why it always requires wasting my resources and money to get matters to be settled.

In one case, their client admitted to being at fault after bumping my brand new car while it was parked in Melville. Their investigator tried to argue that the streets are narrow and accidents can easily happen. Luckily I had a note / police affidavit from their client, admitting to have reversed into my car.

Then their investigator/assessor claimed that 40% of my tire thread was used and they were only going to settle 60% of brand new tire. This is for a brand new car that was a day old. They eventually agreed to pay in full. What a bunch of crooks. :D
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Sounds like you got an overzealous peon that tried to save the company money. Luckily they did pay out the full amount. I would have been annoyed too if they tried to pull that on me.
 
Brenden_E said:
Sounds like you got an overzealous peon that tried to save the company money. Luckily they did pay out the full amount. I would have been annoyed too if they tried to pull that on me.
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Indeed or I should perhaps look at the issue differently.

I claimed twice last year from Hollard (8k and 92k), yet the premiums actually came down this year by an X-amount in line with the value of the car. I would not have an issue if the premiums went up by another amount in line with the claim record.

I suspect there is a Hollard investigator who is pissing off another client somewhere to save money and I gained. By that analysis, I should probably be fair at how I judge OUTsurance with respect to my experience.
 
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moving to OUTsurance - pro's & cons

Which person & car would you pick from this Outsurance ad?

I'm trying hard to overlook the poor fact checking...

- that is not the image of the MY 2015 Sandero & a Sandero is not an "SUV"
- that is not the image of the MY 2015 C180
- that is not the image of the MY 2015 A4 1.8T
- the Micra in the image is the f/lift model that's been in Europe for ages but not available locally for some reason...

Anyway I would pick "32 year-old female" & MB "sedan" option.

ImageUploadedByMyBroadband1448285504.923919.jpg
 
I moved away from Ousurance recently for one simple reason. During my last 12 months, I had to get my windscreen replaced twice due damage that couldn't be fixed. So when my anniversary came up, the increased my premium by R1000 per month due to these claims. Upon querying this increase, they had the wind screen replacements classified as "accidental damage" and not "glass damage". In actual fact, it seems Outsurance is one of the few or the only insurance company that classifies wind screen replacements as "accidental damage".

I subsequently got quotes from MiWay, Auto & General, Mutual and Federal and they all classified these wind screen replacements as "glass damage and I they all gave me quote well below Outsurance.
 
FiestaST said:
Which person & car would you pick from this Outsurance ad?

I'm trying hard to overlook the poor fact checking...

- that is not the image of the MY 2015 Sandero & a Sandero is not an "SUV"
- that is not the image of the MY 2015 C180
- that is not the image of the MY 2015 A4 1.8T
- the Micra in the image is the f/lift model that's been in Europe for ages but not available locally for some reason...

Anyway I would pick "32 year-old female" & MB "sedan" option.

View attachment 317937
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My dad is with them is even trying to get me to switch, I am with a broker and looking at those quotes I am really happy I am. R3600 excess and the outbonus is tiny.
 
ShaunyCT said:
A biker was in an accident at the end of October, he is still waiting on Outsurance to pay him out for his claim.
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So 2 more months until they beat the record of a popular broker in the office here - 3 months waiting for payout
 
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