Check your Outsurance premium regularly

The Outbonus in my case is a hoax & a marketing ploy. Why should the bonus be subject to no claims ? Surely it is premium related & the premiums don't change, after all Outsurance quote "You always get something out" as one of their marketing tricks. Rather not give a bonus & reduce premiums. I believe my premium was increased to cover the bonus amount. The premium i am now paying to Santam is about R1,000 less than what i paid Outsurance which means i will save the same amount as my bonus by the time it is due. Santam (100 years old), who i have now moved to accepted my business at better premiums with no excess in spite of claims history, & i am now dealing with a broker who can help me with claims etc. Except for a claim for spectacles, i made 3 claims to Outsurance, 2 of which were recovered in full from the other parties. The 3rd i dont believe was entirely our fault but Outsurance did not follow through on our behalf. There were no witnesses so was a difficult case. Outsurance is not cheap & we need to compare premiums regularly - this is my point.