Misrepresentation to Avoid Paying R800 Promo

Outsurance could not beat my car insurance premium and should pay R800 by my understanding of their promotion, given that I have been claim-free for at least 3 years.

Bridget, whom I believe to be an Outsurance sales supervisor, told me that Outsurance will not honour its sales promotion to pay R800 given that I had had an incident in Oct 2017 in which I chose to replace a window on my vehicle at my own cost; i.e. for which there was no claim.

The website clearly use the word "claim" and not "incident" (https://www.outsurance.co.za/car-insurance/r400promo/).

If Outsurance is going to seek to avoid to paying out in terms of this promotion, I can only imagine the trauma I will have to endure to have Outsurance settle a claim.

In a KZN high court case (http://www.saflii.org/za/cases/ZAKZPHC/2015/34.html), it is stated that: "... It was therefore not surprising that the appellant, in light of the benefits of not submitting a claim, which he in any event believed fell within the confines of the excess which he would be obliged to pay had he claimed, did not submit a claim for the two incidents which took place in 2009. In my view, the manner in which the insurer’s policy is designed, it positively discourages its clients from submitting claims. This self-absorption of the risk or damage by an insured is rewarded by the insurer paying the insured 10% of their premiums after the first three years of the policy. The protection of the Outbonus is also allowed even if a client submits a claim, but then decides to withdraw it. Such withdrawal is deemed to be final in terms of the policy."