Do not take out motor warranty insurance with Outsurance

I have been an Outsurance client for many years, but over the last few years Outsurance has gone down the drain. Reflected by being #51 in insurance.

I took out Motor warranty insurance in 2022. During the call, the consultant only mentioned that I needed a service record. Meaning have records on hand of the services done. Not that there had to be a service record for every single year. There was no mention of what "up to date" means for my make and model and no service record was asked to be submitted. My car had a service in March 2022. That is up to date and less than 12 months ago. The car was also serviced every 15000kms before that.

Now that my aircon compressor has failed. I am being asked by the claims department to provide a service record of *every single year* since the car has been registered. Who services their car every year in the current economic climate?

Moreover, my car was serviced less than 12 months ago, and I have record that during that service the aircon function was "all good". If at the time of claiming, the car was serviced less than 12 months ago and during the previous service the aircon was functional, why is this not a valid claim? Someone cannot go back in time to service their car every past year? So you cannot sell this product to many people because they don't have record of every single year? That does not seem profitable.

When you issue these policies, why do you not ask for the service record then? Instead of incorrectly giving motor warranty insurance to someone who would not be able to use it? That does not make sense at all.

During the claims process, Outsurance is quick to mention "The vehicle service requirement for your Make and Model is servicing every 15000kms or 12 months" but during the sale of the insurance you do not mention this at all. This is clearly Outsurance trying to make money from premiums and then having a reason reserved for later to not accept a claim.

Outsurance seems to want to collect premiums, even when they know not everyone would service their car every 12 months.

I will write this review everywhere, until the claim is accepted or my motor warranty premiums should be refunded.

I wish I had read reviews on here before considering this product because similar complaints have been written on here.