Outsurance Broker ****s *****ing clients from other insurance companies

Ntebogeng Rankoko (outsurance broker) came to my place of business offering me better insurance rate with the same cover as my previous insurer was giving, in that cover i have insured my working tools and the whole of my tool box, the rate was better than my previous insurer i took up the offer,

One of my tools broke and i went on to lodge a claim with the insurance company and wow to my surprise the tool is not covered and it had to break on my office and not outside office which the tools are for working house calls

Outsurance is a **** , all they want to secure is a monthly premium and never come to party when its time to payout