WM
Wesley M

1 reviews | Active since Apr 2022

11 Jun 2024, 11:19

Disappointing Experience with Outsurance Insurance

I recently had a profoundly disappointing experience with Outsurance Insurance that I feel compelled to share. Despite being a loyal customer for more than 20, the lack of coverage and poor handling of my recent claims has left me deeply dissatisfied.

First and foremost, I submitted claims for three essential items - my Dell laptop, TV, and fridge - which I believed were covered under my policy. However, to my dismay, Outsurance denied coverage for these items, citing reasons that seem unjustified and inadequate.

In the case of my Dell laptop, which experienced a component failure, Outsurance refused coverage, claiming it was not covered due to the specific circumstances of the damage. Despite providing evidence and expressing my concerns, I was met with indifference and a lack of willingness to reconsider.

Similarly, my claims for the TV and fridge were denied, despite the issues being attributed to component failure and wear and tear, respectively. It is deeply troubling to see an insurance provider shirk its responsibility to cover legitimate claims, especially when the reasons provided for denial lack transparency and fail to address the core issues at hand.

Furthermore, the communication and support provided throughout this process were sorely lacking. Despite my repeated attempts to seek clarification and resolution, I was met with delayed responses and inadequate explanations, further exacerbating my frustration and disappointment.

As a result of Outsurance's handling of my claims, I have been left without essential items for an extended period, causing significant inconvenience and disruption to my daily life. The lack of empathy and understanding demonstrated by Outsurance's claims department is deeply concerning and reflects poorly on the company's commitment to customer satisfaction.

In conclusion, my experience with Outsurance Insurance has been nothing short of disappointing. I expected better from a company that prides itself on customer service and reliability. Unfortunately, the handling of my claims has fallen far short of these expectations, leaving me questioning my decision to entrust my insurance needs to Outsurance.

I urge potential customers to carefully consider their options before choosing Outsurance as their insurance provider. Based on my experience, I cannot in good faith recommend Outsurance to others.

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Replies (2)
OUTsurance
OUTsurance's reply14 Jun 2024, 13:21
Official
Good day Wesley,

Thank you for your review.

After responding privately to your review, we escalated the matter to our claims manager, Keneiloe. 

Keneiloe discussed our service provider's assessment report in detail with you. The damages to your appliances are not covered under your policy. Keneiloe discussed the ambit of your cover with you. The damages you were claiming for were not insured perils. Keneiloe advised you that you are welcome to get your own service provider to do an assessment on the appliances. We would then review your service provider's assessment however you declined.

We do apologise for the disappointing outcome of your claim.

Regards,
The OUTsurance Team
WM
Wesley M's update14 Jun 2024, 14:42
Reviewer Update
Thank you for your response. I must express my deep dissatisfaction with the entire assessment process and the handling of my claim.The assessment conducted was substandard, and I did not receive any proper feedback. Despite repeated emails explaining how the assessment should have been carried out, Outsurance refused to follow the correct method. My claims for three different appliances were all denied with the same excuse.Additionally, Outsurance advised me to get the assessments done independently at my own expense, which is unreasonable given that I have been diligently paying my premiums for three years on this package and ten years on another package with Outsurance. I do not have the funds to waste on independent assessments when I have trusted your service for years.To make matters worse, the fridge was damaged during the assessment, and Outsurance has refused to take accountability for this. Moreover, my laptop, which was also sent in, has not been returned. This entire claim process has been a nightmare from the start.I am sharing my experience to inform others about the truth behind this type of household content insurance. Based on my experience, it feels like one big ****. I strongly advise others to stay away from such insurance.