Outsurance vehicle cover is a ****, they do not cover what you pay for.

Policy number: O T ***2

About 3 weeks ago a taxi knocked into my car and damaged the left side of my vehicle, I've been insured with outsurance for 2 years without claiming. Outsurance has a virtual assessment done on your vehicle by their customers sending through pictures of the damages, no physical assessments are done. I completed the virtual assessment and they quoted me an amount of R25,357.30, I thought that amount is incorrect because my door and side panel is severely damaged. I asked outsurance for panel beaters on their panel to take my car to as I wanted a physical assessment done, they referred me to Stikland Body and Spray Works, so I take time off from work and go get the quote from the above panel beaters, Damas body works and Dent Experts, Stikland body and spray works had quoted me R70 369.79, Damas body works quoted me R55 255,57 and Dent Experts had quoted me R54,978.51. I was told by each of these experts that my passenger door and side panel would have to be replaced and that's why the amounts were soo large.

I sent these quotes to outsurance and they went back to Stikland body and spray works and brought the quote down to R25,357.30. Outsurance does not want to replace my parts they want to fix the damage when I was assured by a panel beater on their system that fixing the damaged parts would not work out as the damage is not fixable.

My car was financed 2 years ago when I bought it, it is still new. I pay insurance to ensure that accidents are covered, I pay a comprehensive insurance with Outsurance just to receive such disgusting services.

Outsurance basically got a 60% discount from Stikland body and spay works where the panel beaters quoted me R70 369.79 they reassessed my quote to R25,357.30 to fix parts instead of replacing them, they also shrank the quote by removing the damages to the passenger rim. So outsurance performs miracles with their panel beaters to ensure your vehicle gets fixed but with the leat amount of work put into your property. This is the **** service you will receive if you join outsurance.

They literally want me to drive around with body filler instead of having my vehicle fixed with replacement parts, what a **** insurance company, they will **** your claim to pay out the least amount making panel beaters do the ****tiest job.

Stay away from outsurance, they will give first timers super high excess fees without good consultations and won't cover the damages of high priority costs.

This is the worst insurance company to cover you, you will pay and pay but when it comes to them actually doing their job to cover you, they will give you the worst service.

DO NOT JOIN OUTSURANCE.