Dishonesty in premium charges

My name is Njabulo Msiza.

I took out a vehicle policy with Outsurance on the 9th of December 2025. In the process of getting the policy the consultant worked on quote and shared it with me telephonically. The premium for everything inclusive was below R1200.00, I raised my dissatisfaction about the cost of the main excess which was R6100 approximately and the excess for windscreen which was R1700 approximately. I then requested the main excess to be reduced to R4500 and the windscreen excess to R500 and include car hire which brought my premium to R1333.60. I was absolutely happy with the quote and I agreed on taking the policy and the consultant then promised to share the policy schedule with me via mail.

Few minutes later after concluding the call I decided to check the policy scheduled and go through the details. I then discovered that all the excesses remained unchanged although the premium was at the cost of the excesses I requested. I then called them to query this matter and since is it was towards the end of business hours I was promised to be given feedback on 10th of December 2025 first thing in the morning. So the 10th passed till we got the 12th of December 2025 without being given feedback. I then decided to call them to raise my dissatisfaction of the fact that they never got back to me and that my issue remains unresolved. I was promised that by end of business my issue would be resolved. Later in the day I received a new policy schedule with correct excesses but charged me again for the excesses to R1596. This is ******ion, dishonesty and unfair treatment.