OUTSURANCE is a ****

If I could give OUTSURANCE a zero I would. I've been with the insurance for 3years. I pay R1473 every month and my excess is R4700. On the 4th of May I was nearly Hijacked but the ***** struggled to starty car so he fled with my phone. When I claimed from OUTSURANCE they tell me I can't claim for the ****** phone because I don't have out and about. This out and about they told me was when I insured my household goods with them which is and extra R200 on top of my car insurance. They are full of nonsense and tricks, how can you not be covered for ****** goods in your car because it's not like you drive your car on your house. Rediculous I tell you