Outsurance................

I am Comprehensively insured by Outsurance and was advised by the Agent to take up business interruption and goods in transit insurance at the time of taking out the policy as I have quite a few moving parts to my business that could potentially hamper me from trading freely or being able to supply my customers. One of my trucks carrying sand was involved in an accident and Outsurance was quick to respond to the towing of the vehicle and assistance in that regard but when I enquired about my business interruption insurance, as I am losing quite a lot of money with that truck off line, I was told that my business interruption is not relevant in this matter. Either I was then misinformed by the agent selling me the policy or the agent selling me the policy did not understand the terms of such cover, either way I am the one on the short en of the stick. Even the persons dealing with my claim cannot fully explain to me why this policy cannot be paid out as I can prove that this particular truck does three loads a day everyday of the month for the past 5 years and I have expenses to cover even though I do not get money in for loads delivered. This is not an attack against any individual that have been assisting me with this claim but more to Outsurance as a whole because of various inconsistencies in the way they try to explain why this cover cannot be claimed in this instance.This truck is an integral part of my business therefore I feel that this policy should have been activated immediately upon getting my call to start the claim proses as I have not only lost money but also customers that I have built up a relationship with the past 7 years. I need to get an answer on this and possibly all my premiums back that I have paid for this business interruption and I would recommend that Outsurance invest more time in training staff to keep customers rather that training them to get new business.