Do not get yourself blinded by the initial good premium, things go terribly wrong when you claim.

After getting a good quote from Outsurance for my car, all went wrong when I had a THIRD PARTY claim. My car was parked when a third party damages my car, I was not in the car at that moment. The third party was insured and took full responsibility for the incident. I phoned Outsurance to asked for advice, should I claim form the third party or do I claim form my own insurance, which is Outsurance. I was advised to claim from my Outsurance. Then to my surprise my monthly premium went up with over 30%. This was never mentioned to me when I asked for advice to put in the claim. After several phone calls and multiple emails, I never got a satisfactory explanation. According to Outsurance, the reason for the 30% increase is as an cost to compony for the repairs. I told them that the Third Parties insurance has paid outsurance back for the repairs, so there is no or little cost to Outsurance, why am I being punished with the 30% increase as well as loosing my no claim bonus. There must surely be a difference between a third party claim where all costs are covered by the third parties insurance and a claim when I am at fault. In This case I was not even in the car, and totally not responsible for the damage. So after following the advice from outsurance, they now up my premium with 30% They never informed me that this will happen. I am still waiting for the voice recording that I requested, nor did I received a proper written explanation.