Is this what my friends warned me about

<p>So, I had an incident in December 2015. I did not claim for this because there was no damage to my vehicle but the other driver lodge a claim for damages from my Outsurance policy.</p> <p> </p> <p>After 6 months Outsurance notified that they would not pay for reasons explained. To my surprise, i get a rerate stating my policy would go up 25% due to claims. So even tho i did not claim and they did not pay out anything to anyone, still my premium goes up. Is this why they want you to notify them even if you don't claim? Just to hike your premium.</p> <p> </p> <p>We are in July 2016, meaning my premium that has also changed more than a few times in the last 2 months, are being billing inconsistantly, *********ly and simply incorrectly.</p> <p> </p> <p>Now, i've tried numerous times to get an answer from Outsurance and this is my last resort. Their Senior Advisors promises feedback and just don't get back to you. I have little other choice but to simply voice my concerns on hello peter and let other people see how Outsurance goes about their business.</p> <p> </p> <p>Their favourite line "We are waiting out the actuaries". Eish </p>