Problems with Outsurance

[Cius]

Brokers generally don't cost more than an insurance company. At least they shouldn't. Both of my brokers got me similar prices to direct quotes with insurance companies and handled most of the leg work with the insurers to boot. Just be sharp about annual increases. A common insurance trick is to give a 20-30% discount on a new client to rope them in and then after that you will get annual increases of way above inflation until you are back at their full value price. This can be circumvented by threatening to leave once a year via a better quote that they then match. Seriously, its worth the 30 minutes of time it takes as it can save you thousands in the long run.

 

[Ancalagon]

Well I got a call from Outsurance regarding my complaint.

They told me that they deliberately do not act on third party claims unless they get constantly nagged by the third party insurance company. This is in the hope that the matter will prescribe and they wont have to pay. Meaning, they are passing the buck onto me.

 

[biena]

Really hope that you recorded the call. If so release it on youtube, that would be a major embarrassment to them.

 

[TelkomUseless]

I think you will find you are paying less with a broker. One of those direct guys called me once and I did a quote over the phone, their offer was nearly double to what I was paying with my broker.

O.. sorry I was just saying I would pay more for broker. My insurance is cheap with my broker.. and had 2 cars stolen and no issues.

 

[Ancalagon]

Really hope that you recorded the call. If so release it on youtube, that would be a major embarrassment to them.

Sorry, I should have.

 

[PsyWulf]

Meh,when it comes to the excess payment many insurers are twats. I actually got an Excess payment last week,for an accident from 2009 from Hollard

 

[xrapidx]

Not yet, but I think I will. Can anyone recommend a good broker for me to get a quote from?

I've been happy dealing with Indwe Brokers (not the call center)

Cheaper than where-ever else I've gotten quotes, and they have yet to give me a problem, and I've claimed:
2x for car
3x building cover

 

[eye_suc]

I've been happy dealing with Indwe Brokers (not the call center)

Cheaper than where-ever else I've gotten quotes, and they have yet to give me a problem, and I've claimed:
2x for car
3x building cover

Another vouch for Indwe. Been using them since 2005.

 

[Cool E]

Another vouch for Indwe. Been using them since 2005.

the best Indwe Brokers branch is the one in Somerset West.

 

[RexxGrim]

This is why I left Outsurance. Accident and they refused to pay. They claimed I never declared that fact that I was in an accident with my brothers car, which was insured by M&F 5 years ago. When I signed up, they asked me if I had any previous insurance claims for vehicles and I said no, since this was the first car I owned and my first car insurance. (telephonically).

Long story short, they said my monthly prem would have been R70 more if I declared this accident and are going add this to my excess (retrospectively) and up my prem by R70 bucks a month in future. So I fork out +- R4000 out of my pocket to get it fixed. (Total damage R12k)

Soon as everything was settled I get a new quote from AON which is more exceptable and phone outsurance to cancel my policy. The operator ask my why? I tell them I can get it cheaper else where. Says he will phone my back. Phones me back in about an hour and says he can get me R100 of my current premium.

This, after they just raised my premium by R70. No questions about accidents etc.

Told them to get stuffed.

Been with my current insurance ever since. I don't want crap like no claim bonusse etc. Decent montly premium and no hassle when I claim. (which isn't often)