Out and about with OUTsurance isn’t what

Been a customer for years since 2021 with my vehicle ,and this year I expanded my insurance to insuring our cellphones.

When I insured the phones for me and my husband we were not asked any information about them and our policy is a one page vague paper. When it’s time to claim they want a lot of things that we were not made aware of from the initial day we insured our items. In my mind I think they do that so they don’t pay out a claim,you know how when u join car insurance they tell you the do’s and don’t’s of the insured car…with home contents insurance they don’t do that so when it’s time for a claim they can look for ways not to pay out a claim.

They recently ****** us those cellphones and OUTsurance goes out and about to ensure they don’t pay out a claim. Firstly they asked us for 3 things for the claim,saps number,itc numbers and proof of purchase. We provided them as that’s standard procedure for any normal insurance.

then they ask for further things to “validate” the claim as they say it. Our phones are in contract with MTN they went to MTN to request our data(first and last usage) on the phones and MTN couldn’t find “anything”…how’s that possible cause the phones were bought directly with them…

OUTsurance asked us for further “validation “ to invade our privacy as I feel,they asked for iCloud’s of the phones…who’s ever done that?iclouds are confidential and I told them I can’t provide them with such as I feel it’s invasion of privacy. The assessor then told me they can’t authorise the claim as nothing was found on the incident.

So if you’re thinking of insuring your personal items like phones or home contents with them,think twice. Now I’m awaiting confirmation for my claim to be rejected and then I’m moving insurances. I trusted them and never thought they would do their best not to pay a claim!