Incorrect Vehicle details on policy

<p>Good day</p> <p> </p> <p>I have a problem with outsurance. Everytime I contact outsurance to amend my policy, the representative run through the whole policy with me, and everytime I note to them that my primary vehicle BMW is a 2008 5door Standard E87 1 Series BMW. And everytime after the phone call I see it is still not correct. They have on the policy, a 2008 3Door, E81, Exclusive BMW 1 series.</p> <p> </p> <p>There is a value difference between the 2. I got quotes from different companies, and all in all there's between R10 and R20 difference per month on the two vehicles premiums. For the älmost"4 years I have been paying premiums on this vehicle I have paid in total about R430 - R860 more for the higher value vehicle than what I actually drive.</p> <p> </p> <p>I noted this many times to the concultants, but to no avail.</p> <p> </p> <p>I want them to draw the recording when I initially added the BMW 1 series to my policy, where they can listen and hear that I never told them it's a 3 door, E81 Exclusive, 1 Series BMW...</p> <p> </p> <p>Now my problem is the following:</p> <p> </p> <p>1. I have been paying more on premiums on a vehicle I dont drive</p> <p>2. I dont know if the assessment centre where I took my car even knew the difference and sent through the correct info.</p> <p>3. I have been driving with this vehicle taking risk of my life etc, because should something happen, outsurance will not pay.</p> <p>4. According to my legal advice and ombudsman, I have ground to stand on regarding the risk I un-knowingly took for the last few years, driving with a vehicle I am not covered for from the mistake Outsurance made. </p> <p>5. I paid about 42 premiums on a BMW I dont even drive...these premiums are till today useless to me, because it doesnt cover my vehicle. It covers a different vehicle. A description of a vehicle on a policy is of utmost importance and stand firm in court. </p> <p> </p> <p>I'm taking this furthur if Outsurance does not come up with a solution or settlement. (And I have contacted the Ombudsman about this, and I know what I can do if Outsurance does not come up with a reasonable solution).</p> <p> </p> <p>1. I am seeking a refund of the difference I paid for a higher value vehicle in the first place.</p> <p>2. Then I would like to know what Outsurance will be doing when it comes to the 42 payments I paid for a vehicle I dont drive.</p> <p>3. I would like to know what is Outsurance going to do regarding compensation for the risk I un knowingly had with a vehicle which was not covered on Black and White. If it happened that I would have passed away in an accident, my wife would have had endless nightmares in getting the vehicles either repaired or paid out. Outsurance caused a potential risk on my life and my loved ones.</p> <p> </p> <p>I am awaiting feedback from outsurance, and please don''t let any representative contact me. I would like this to be resolved by someone in management position.</p>