How Outsurance avoid the R400 payment

Outsurance are misleading people regarding the payment of the R 400 if they cannot beat current premium. They make the car premium low and add that amount to house contents premium. When I called to get a quote I have asked the consultant will outsurance pay the R400 ( my case should be R800 have not claimed the past 3 years ) if they cannot beat the total premium and he confirmed that they will. The consultant was not willing to send me the quote as it was quoted over the phone. After I indicated that I will claim the R400 the quote was send the me with the low premium for the car. Their total premium is more than my current premium. I submitted my R 400 claim but it was refused on the basis that their car insurance is lower than my current. Yes it is now lower after it was changed. How can one trust Outsurance if they play this kind of tricks.