OUTsurance penalises the innocent driver – goodbye!

My OUTsurance premium has increased by approximately R300 per month because of a claim — a claim caused by another OUTsurance client who was arrested at the scene of the accident for driving under the influence.

Let that sink in.

I was the sober, innocent driver whose car was rammed, yet I am the one being financially penalised because another OUTsurance client made the irresponsible decision to drive under the influence.

When I queried the increase, the consultant told me that because I had a claim, I am being penalised, and that there was apparently nothing they could do to retain me.

What makes this even more frustrating is that when I originally took out my policy roughly a year ago, I told the consultant that I would shop around for better cover. Before I had even signed up as a client, OUTsurance immediately reduced my premium to secure my business.

So on Day One, there was something they could do to win my business.

Now, after being a loyal customer and having a claim caused by someone else's reckless behaviour, suddenly “nothing can be done.”

What kind of game are you playing?

I understand that insurance companies assess risk and claims. But being penalised financially for a claim where I was the innocent party is incredibly frustrating — particularly when the person who caused the accident was also insured by OUTsurance and was arrested at the scene.

If this is how OUTsurance chooses to treat responsible customers, then they are welcome to their extra R300.

I'm OUT.

Goodbye, OUTsurance. I'll take my business somewhere else.