I have never claimed anything, but the one time I wanted to, I was told the excess is two 3rds of the value of the item

Hello Esmerelda

After having acknowledged your review, we received feedback from our claims manager, confirming you were contacted.

Your concerns regarding the excess payable were discussed. Recourse was provided and explained this is a once-off benefit we provided you.

Thank you for your understanding.

Regards
The OUTsurance Team