I will recommend OUTsurance to anyone

I always receive excellent service from OUTsurance. If you log a call online, they almost always return your call. You do not have to wait hours in line to speak to someone at a call centre. If you request a change it is made immediately without you having to complete and sign endless forms. If a request for change is made, it is done immediately and you receive a email with an updated policy immediately with the exact amount you will pay with your next payment. I never experienced problems with claims.