Bad service

I contacted Outsurance to confirm if my premiums were up to date. The consultant that assisted gave me a quotation as i thought of upgrading my cover. The phone got cut off. On the 5th Jan 2018 i received a letter from Outsurance informing me that my policy was cancelled. I called in and spoke to a guy who said he will reinstate my policy. Reason for cancellation was that they tried to call me and could not get hold of then the policy was cancelled. Today the 15th Jan 2018, after i received no response from Outsurance i called again, and was told that i will get a refund in Feb 2018 as the policy was cancelled. So if i want to reinstate it then there will be a pro rata which will be deducted from my account tomorrow.

I dont understand why i should be paying any pro rata as i have never cancelled my policy. The consultants do not even ask you if you have sufficient funds for the debit to go through, they just tell you that the money will go off.

I am extremely disappointed with OUTSURANCE!!!!!