Car Insurance Premiums - 5 times higher then competitors

<p>I have bee an Outsurance client for about 9 years. And in that 9 years the total premiums paid could amount tp R100 000.00, as i have been paying an average of R1000.00 a month. I have my house hold contents, cell phone, Laptop and Car insured by them. The cover for each item have a separent premium and terms. I am in a market for a new car and thus a call was made to the Outsurance call center for a quotation on a car worth R400 000.00 give or take. And, i was horrified when i had what the monthly premium for for insurance only; will be. R6300.00 for insurance monthly. That is the same as a car instalment, they even had the audacity to call back and discout it to R5600.00... The rationale is that in 9 year i have claimed Twice for car accidents (in 2012 & 2017) meaning i claim on average every 4 and half years... And that according to Outsurance makes me a high risk. More over, they make you pay separate amounts for additional covers and when you put a claim for a ****** cell phone; they add to your DRIVER RISK PORTFOLIO and when put a claim through that your car window was smashed by the intruders at night when you were sleeping; that also get noted as a BAD DRIVER`S record. If i paid 120 premiums and i claimed at 60th premium`s interval; how is that high risk? Given the fact that their insurance premiums are already the highest in South Africa. BUT, closed to R6500 monthly insurance premiums... This is another level of insanity. I have never been so surprised, how can this be?</p>