JOIN OUTSURANCE AND YOU WILL BE WITH/OUT(SURANCE)

I previously owned a vehicle which was not insured. It got into accidents and was fixing it from my own pocket. So i decided to trade it in for a new polo with which i took insurance with Outsurance, not knowing that i am still outsured, as their name says it all. so it got involved in accident just after the first month of driving it (from Brand New).<br> <br> I launched a claim, they validated the incident and the case opened. so they looked out for loop holes, not to pay my car back. They claim, i should have disclosed my previous car's accidents before getting into contract with them. My question was: isn't that we get questioned over the phone and answer yes/no when they sell insurance to us? So they said the onus lies with me to have come forth and revealed any information that would have impacted the insurers decision in determining premium.<br> <br> I carried on with my questions, asking if its not possible for them to take such information into account, then determine what the premium would be, should they have been furnished with my previous car's accident history. So they would pay the pro rata amount of the risk covered by the insurance premium i was paying. They REFUSED!!!